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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 | $77,974 | $209,847-62.8% | $189,520-58.9% | $167,518-53.5% |
| Participation rate | 66.7% | 88.7%-22.0pp | 87.8%-21.1pp | 82.1%-15.4pp |
| Annual return | 14.57% | 748.45%-733.9pp | 555.25%-540.7pp | 478.71%-464.1pp |
| Employer contribution / active EE | $1,857 | $6,913-73.1% | $6,161-69.9% | $4,838-61.6% |
| Participant deferral / active EE | $2,469 | $8,934-72.4% | $8,220-70.0% | $6,342-61.1% |
| Admin fee / account holder | $8,032 | $14,295-43.8% | $12,046-33.3% | $12,312-34.8% |