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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 | $38,149 | $148,582-74.3% | $135,942-71.9% | $139,456-72.6% |
| Participation rate | 0.0% | 83.9%-83.9pp | 81.9%-81.9pp | 80.3%-80.3pp |
| Annual return | 15.89% | 79.26%-63.4pp | 68.28%-52.4pp | 373.45%-357.6pp |
| Employer contribution / active EE | $1,118 | $5,245-78.7% | $4,858-77.0% | $4,753-76.5% |
| Participant deferral / active EE | $1,315 | $8,101-83.8% | $7,759-83.0% | $6,711-80.4% |
| Admin fee / account holder | $4,893 | $12,402-60.5% | $10,764-54.5% | $11,407-57.1% |