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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 | $30,782 | $175,257-82.4% | $149,717-79.4% | $139,456-77.9% |
| Participation rate | 57.1% | 83.4%-26.2pp | 78.8%-21.6pp | 80.3%-23.2pp |
| Annual return | 13.09% | 166.70%-153.6pp | 134.41%-121.3pp | 373.45%-360.4pp |
| Employer contribution / active EE | $0 | $5,477-100.0% | $4,820-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $1,379 | $6,521-78.9% | $5,682-75.7% | $6,711-79.5% |
| Admin fee / account holder | $632 | $16,156-96.1% | $13,213-95.2% | $11,407-94.5% |