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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 | $37,594 | $160,040-76.5% | $147,096-74.4% | $145,877-74.2% |
| Participation rate | 57.1% | 84.0%-26.9pp | 82.2%-25.0pp | 80.3%-23.2pp |
| Annual return | 14.02% | 98.49%-84.5pp | 419.75%-405.7pp | 551.28%-537.3pp |
| Employer contribution / active EE | $1,091 | $5,289-79.4% | $4,936-77.9% | $4,663-76.6% |
| Participant deferral / active EE | $1,788 | $8,429-78.8% | $8,071-77.8% | $6,691-73.3% |
| Admin fee / account holder | $1,368 | $15,050-90.9% | $13,005-89.5% | $13,402-89.8% |