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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 | $166,131-66.0% | $164,975-65.8% | $145,877-61.3% |
| Participation rate | 54.2% | 82.0%-27.8pp | 78.6%-24.4pp | 80.3%-26.1pp |
| Annual return | 13.34% | 100.37%-87.0pp | 70.12%-56.8pp | 551.28%-537.9pp |
| Employer contribution / active EE | $1,199 | $5,276-77.3% | $4,343-72.4% | $4,663-74.3% |
| Participant deferral / active EE | $1,795 | $6,962-74.2% | $6,033-70.2% | $6,691-73.2% |
| Admin fee / account holder | $568 | $16,648-96.6% | $12,688-95.5% | $13,402-95.8% |