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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 | $13,705 | $100,938-86.4% | $90,461-84.9% | $158,982-91.4% |
| Participation rate | 40.0% | 75.0%-35.0pp | 72.7%-32.7pp | 82.0%-42.0pp |
| Annual return | 18.70% | 1727.20%-1708.5pp | 1294.76%-1276.1pp | 302.99%-284.3pp |
| Employer contribution / active EE | $236 | $3,691-93.6% | $3,264-92.8% | $4,763-95.0% |
| Participant deferral / active EE | $236 | $4,350-94.6% | $3,964-94.0% | $5,983-96.0% |
| Admin fee / account holder | $1,543 | $6,510-76.3% | $5,617-72.5% | $11,252-86.3% |