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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 | $17,615 | $121,701-85.5% | $104,639-83.2% | $158,982-88.9% |
| Participation rate | 64.3% | 77.5%-13.3pp | 74.1%-9.8pp | 82.0%-17.7pp |
| Annual return | 16.24% | 465.72%-449.5pp | 340.67%-324.4pp | 302.99%-286.8pp |
| Employer contribution / active EE | $218 | $3,165-93.1% | $2,682-91.9% | $4,763-95.4% |
| Participant deferral / active EE | $124 | $4,176-97.0% | $3,738-96.7% | $5,983-97.9% |
| Admin fee / account holder | $1,143 | $7,778-85.3% | $6,465-82.3% | $11,252-89.8% |