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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 | $125,523 | $228,395-45.0% | $185,861-32.5% | $158,982-21.0% |
| Participation rate | 33.3% | 82.3%-49.0pp | 78.0%-44.7pp | 82.0%-48.6pp |
| Annual return | 12.13% | 40.82%-28.7pp | 35.96%-23.8pp | 302.99%-290.9pp |
| Employer contribution / active EE | $800 | $4,968-83.9% | $4,088-80.4% | $4,763-83.2% |
| Participant deferral / active EE | $1,167 | $6,417-81.8% | $5,634-79.3% | $5,983-80.5% |
| Admin fee / account holder | $97,797 | $11,869+724.0% | $9,503+929.1% | $11,252+769.2% |