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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 | $67,544 | $183,516-63.2% | $155,534-56.6% | $145,884-53.7% |
| Participation rate | 36.4% | 82.7%-46.3pp | 78.2%-41.9pp | 80.3%-43.9pp |
| Annual return | 12.66% | 61.43%-48.8pp | 64.92%-52.3pp | 551.85%-539.2pp |
| Employer contribution / active EE | $1,071 | $5,315-79.8% | $4,675-77.1% | $4,662-77.0% |
| Participant deferral / active EE | $1,546 | $6,467-76.1% | $5,630-72.5% | $6,690-76.9% |
| Admin fee / account holder | $22,869 | $19,293+18.5% | $15,900+43.8% | $13,392+70.8% |