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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 | $18,606 | $111,785-83.4% | $93,669-80.1% | $145,877-87.2% |
| Participation rate | 30.4% | 74.2%-43.8pp | 68.7%-38.3pp | 80.3%-49.9pp |
| Annual return | 13.35% | 203.79%-190.4pp | 133.59%-120.2pp | 551.28%-537.9pp |
| Employer contribution / active EE | $964 | $3,096-68.9% | $2,424-60.2% | $4,663-79.3% |
| Participant deferral / active EE | $964 | $4,919-80.4% | $4,416-78.2% | $6,691-85.6% |
| Admin fee / account holder | $1,838 | $10,256-82.1% | $8,291-77.8% | $13,402-86.3% |