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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 | $24,374 | $160,040-84.8% | $147,096-83.4% | $145,877-83.3% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 21.41% | 98.49%-77.1pp | 419.75%-398.3pp | 551.28%-529.9pp |
| Employer contribution / active EE | $1,148 | $5,289-78.3% | $4,936-76.7% | $4,663-75.4% |
| Participant deferral / active EE | $1,681 | $8,429-80.1% | $8,071-79.2% | $6,691-74.9% |
| Admin fee / account holder | $388 | $15,050-97.4% | $13,005-97.0% | $13,402-97.1% |