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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 | $160,070-80.7% | $147,117-79.0% | $145,897-78.9% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 10.85% | 98.69%-87.8pp | 420.54%-409.7pp | 552.29%-541.4pp |
| Employer contribution / active EE | $1,942 | $5,285-63.2% | $4,932-60.6% | $4,663-58.3% |
| Participant deferral / active EE | $2,428 | $8,419-71.2% | $8,065-69.9% | $6,689-63.7% |
| Admin fee / account holder | $444 | $15,035-97.0% | $12,993-96.6% | $13,390-96.7% |