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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 | $122,777 | $202,342-39.3% | $172,752-28.9% | $152,897-19.7% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 187.82% | 1029.83%-842.0pp | 802.97%-615.1pp | 345.43%-157.6pp |
| Employer contribution / active EE | $2,366 | $5,858-59.6% | $5,144-54.0% | $4,764-50.3% |
| Participant deferral / active EE | $1,867 | $5,948-68.6% | $5,198-64.1% | $5,851-68.1% |
| Admin fee / account holder | $139,741 | $17,111+716.7% | $13,955+901.4% | $11,599+1104.7% |