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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,112 | $88,087-54.5% | $164,866-75.7% | $74,546-46.2% |
| Participation rate | 35.3% | 73.1%-37.8pp | 78.6%-43.3pp | 67.2%-31.9pp |
| Annual return | 13.84% | 17.27%-3.4pp | 69.97%-56.1pp | 1366.03%-1352.2pp |
| Employer contribution / active EE | $1,182 | $2,595-54.4% | $4,343-72.8% | $2,624-55.0% |
| Participant deferral / active EE | $1,831 | $4,499-59.3% | $6,033-69.7% | $4,347-57.9% |
| Admin fee / account holder | $1,955 | $2,232-12.4% | $12,689-84.6% | $1,944+0.6% |