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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 | $19,988 | $96,419-79.3% | $80,648-75.2% | $139,487-85.7% |
| Participation rate | 37.5% | 73.6%-36.1pp | 67.0%-29.5pp | 80.3%-42.8pp |
| Annual return | 19.34% | 1352.86%-1333.5pp | 937.21%-917.9pp | 373.84%-354.5pp |
| Employer contribution / active EE | $435 | $3,261-86.7% | $2,724-84.0% | $4,755-90.8% |
| Participant deferral / active EE | $435 | $5,225-91.7% | $4,443-90.2% | $6,713-93.5% |
| Admin fee / account holder | $1,263 | $6,605-80.9% | $5,382-76.5% | $11,407-88.9% |