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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 | $88,203-54.5% | $165,100-75.7% | $74,478-46.1% |
| Participation rate | 35.3% | 73.1%-37.8pp | 78.6%-43.3pp | 67.2%-31.9pp |
| Annual return | 13.84% | 17.13%-3.3pp | 70.21%-56.4pp | 1370.56%-1356.7pp |
| Employer contribution / active EE | $1,182 | $2,601-54.5% | $4,348-72.8% | $2,626-55.0% |
| Participant deferral / active EE | $1,831 | $4,505-59.4% | $6,035-69.7% | $4,350-57.9% |
| Admin fee / account holder | $1,955 | $2,235-12.5% | $12,696-84.6% | $1,946+0.5% |