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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 | $125,059 | $211,239-40.8% | $178,528-30.0% | $145,877-14.3% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 14.26% | 30.22%-16.0pp | 27.11%-12.8pp | 551.28%-537.0pp |
| Employer contribution / active EE | $718 | $4,570-84.3% | $3,950-81.8% | $4,663-84.6% |
| Participant deferral / active EE | $902 | $6,963-87.0% | $6,278-85.6% | $6,691-86.5% |
| Admin fee / account holder | $1,690 | $12,095-86.0% | $10,419-83.8% | $13,402-87.4% |