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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 | $48,063 | $209,422-77.0% | $178,503-73.1% | $158,982-69.8% |
| Participation rate | 57.9% | 86.4%-28.5pp | 81.9%-24.0pp | 82.0%-24.1pp |
| Annual return | 10.39% | 188.81%-178.4pp | 151.12%-140.7pp | 302.99%-292.6pp |
| Employer contribution / active EE | $1,416 | $5,707-75.2% | $5,011-71.7% | $4,763-70.3% |
| Participant deferral / active EE | $1,831 | $5,955-69.3% | $5,202-64.8% | $5,983-69.4% |
| Admin fee / account holder | $6,071 | $17,079-64.5% | $13,987-56.6% | $11,252-46.0% |