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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 | $25,035 | $111,535-77.6% | $105,223-76.2% | $137,256-81.8% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 25.64% | 237.85%-212.2pp | 180.65%-155.0pp | 220.34%-194.7pp |
| Employer contribution / active EE | $999 | $3,939-74.6% | $3,689-72.9% | $4,156-76.0% |
| Participant deferral / active EE | $1,406 | $5,500-74.4% | $5,072-72.3% | $6,407-78.1% |
| Admin fee / account holder | $4,288 | $9,721-55.9% | $8,859-51.6% | $12,270-65.1% |