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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 | $129,737-80.7% | $119,126-79.0% | $154,746-83.8% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 25.64% | 379.08%-353.4pp | 282.11%-256.5pp | 172.34%-146.7pp |
| Employer contribution / active EE | $999 | $4,375-77.2% | $4,034-75.2% | $4,379-77.2% |
| Participant deferral / active EE | $1,406 | $5,842-75.9% | $5,318-73.6% | $6,730-79.1% |
| Admin fee / account holder | $4,288 | $11,961-64.2% | $10,693-59.9% | $14,365-70.2% |