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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 | $100,723 | $198,457-49.2% | $170,435-40.9% | $147,586-31.8% |
| Participation rate | 16.7% | 88.0%-71.3pp | 83.6%-66.9pp | 82.8%-66.2pp |
| Annual return | 18.96% | 257.30%-238.3pp | 205.94%-187.0pp | 578.59%-559.6pp |
| Employer contribution / active EE | $1,468 | $6,183-76.3% | $5,432-73.0% | $4,876-69.9% |
| Participant deferral / active EE | $1,785 | $5,629-68.3% | $4,939-63.9% | $5,439-67.2% |
| Admin fee / account holder | $5,547 | $16,852-67.1% | $13,881-60.0% | $10,886-49.0% |