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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 | $37,338 | $160,070-76.7% | $147,117-74.6% | $145,897-74.4% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 11.34% | 98.69%-87.4pp | 420.54%-409.2pp | 552.29%-541.0pp |
| Employer contribution / active EE | $5,324 | $5,285+0.7% | $4,932+7.9% | $4,663+14.2% |
| Participant deferral / active EE | $1,875 | $8,419-77.7% | $8,065-76.8% | $6,689-72.0% |
| Admin fee / account holder | $874 | $15,035-94.2% | $12,993-93.3% | $13,390-93.5% |