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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 | $18,562 | $183,539-89.9% | $155,556-88.1% | $145,897-87.3% |
| Participation rate | 53.3% | 82.7%-29.4pp | 78.2%-24.9pp | 80.3%-27.0pp |
| Annual return | 10.09% | 61.31%-51.2pp | 64.84%-54.7pp | 552.29%-542.2pp |
| Employer contribution / active EE | $1,072 | $5,315-79.8% | $4,675-77.1% | $4,663-77.0% |
| Participant deferral / active EE | $1,112 | $6,467-82.8% | $5,631-80.2% | $6,689-83.4% |
| Admin fee / account holder | $1,011 | $19,275-94.8% | $15,885-93.6% | $13,390-92.4% |