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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 | $46,377 | $150,447-69.2% | $136,298-66.0% | $147,586-68.6% |
| Participation rate | 36.4% | 84.4%-48.1pp | 81.9%-45.6pp | 82.8%-46.5pp |
| Annual return | 10.57% | 1049.15%-1038.6pp | 5156.27%-5145.7pp | 578.59%-568.0pp |
| Employer contribution / active EE | $1,159 | $5,256-78.0% | $4,696-75.3% | $4,876-76.2% |
| Participant deferral / active EE | $1,636 | $6,631-75.3% | $6,247-73.8% | $5,439-69.9% |
| Admin fee / account holder | $463 | $10,906-95.8% | $9,244-95.0% | $10,886-95.7% |