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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 | $19,849 | $162,136-87.8% | $152,301-87.0% | $154,746-87.2% |
| Participation rate | 66.7% | 84.1%-17.4pp | 82.4%-15.8pp | 80.7%-14.0pp |
| Annual return | 19.33% | 91.02%-71.7pp | 80.50%-61.2pp | 172.34%-153.0pp |
| Employer contribution / active EE | $1,593 | $4,890-67.4% | $4,624-65.6% | $4,379-63.6% |
| Participant deferral / active EE | $2,626 | $8,341-68.5% | $8,004-67.2% | $6,730-61.0% |
| Admin fee / account holder | $1,413 | $15,759-91.0% | $14,398-90.2% | $14,365-90.2% |