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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 | $30,822 | $160,040-80.7% | $147,096-79.0% | $145,877-78.9% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 10.85% | 98.49%-87.6pp | 419.75%-408.9pp | 551.28%-540.4pp |
| Employer contribution / active EE | $1,942 | $5,289-63.3% | $4,936-60.7% | $4,663-58.3% |
| Participant deferral / active EE | $2,428 | $8,429-71.2% | $8,071-69.9% | $6,691-63.7% |
| Admin fee / account holder | $444 | $15,050-97.0% | $13,005-96.6% | $13,402-96.7% |