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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 | $104,700 | $183,539-43.0% | $155,556-32.7% | $145,897-28.2% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 12.38% | 61.31%-48.9pp | 64.84%-52.5pp | 552.29%-539.9pp |
| Employer contribution / active EE | $1,712 | $5,315-67.8% | $4,675-63.4% | $4,663-63.3% |
| Participant deferral / active EE | $1,730 | $6,467-73.2% | $5,631-69.3% | $6,689-74.1% |
| Admin fee / account holder | $18,159 | $19,275-5.8% | $15,885+14.3% | $13,390+35.6% |