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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 | $159,978-76.7% | $147,041-74.6% | $145,978-74.4% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 11.34% | 98.36%-87.0pp | 419.21%-407.9pp | 550.52%-539.2pp |
| Employer contribution / active EE | $5,324 | $5,288+0.7% | $4,935+7.9% | $4,662+14.2% |
| Participant deferral / active EE | $1,875 | $8,429-77.8% | $8,071-76.8% | $6,690-72.0% |
| Admin fee / account holder | $874 | $15,053-94.2% | $13,006-93.3% | $13,400-93.5% |