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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 | $46,917 | $176,120-73.4% | $159,487-70.6% | $167,553-72.0% |
| Participation rate | 52.6% | 85.0%-32.3pp | 82.8%-30.2pp | 82.1%-29.5pp |
| Annual return | 15.48% | 331.95%-316.5pp | 263.71%-248.2pp | 478.89%-463.4pp |
| Employer contribution / active EE | $2,096 | $5,299-60.5% | $4,831-56.6% | $4,840-56.7% |
| Participant deferral / active EE | $1,355 | $7,752-82.5% | $7,354-81.6% | $6,343-78.6% |
| Admin fee / account holder | $456 | $12,561-96.4% | $10,804-95.8% | $12,316-96.3% |