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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 | $56,432 | $166,268-66.1% | $165,100-65.8% | $145,897-61.3% |
| Participation rate | 54.2% | 82.0%-27.9pp | 78.6%-24.5pp | 80.3%-26.1pp |
| Annual return | 13.34% | 100.52%-87.2pp | 70.21%-56.9pp | 552.29%-538.9pp |
| Employer contribution / active EE | $1,199 | $5,284-77.3% | $4,348-72.4% | $4,663-74.3% |
| Participant deferral / active EE | $1,795 | $6,964-74.2% | $6,035-70.3% | $6,689-73.2% |
| Admin fee / account holder | $568 | $16,659-96.6% | $12,696-95.5% | $13,390-95.8% |