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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 | $44,049 | $198,457-77.8% | $170,435-74.2% | $147,586-70.2% |
| Participation rate | 33.3% | 88.0%-54.6pp | 83.6%-50.3pp | 82.8%-49.5pp |
| Annual return | 18.21% | 257.30%-239.1pp | 205.94%-187.7pp | 578.59%-560.4pp |
| Employer contribution / active EE | $1,731 | $6,183-72.0% | $5,432-68.1% | $4,876-64.5% |
| Participant deferral / active EE | $1,859 | $5,629-67.0% | $4,939-62.4% | $5,439-65.8% |
| Admin fee / account holder | $18,758 | $16,852+11.3% | $13,881+35.1% | $10,886+72.3% |