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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 | $47,669 | $209,425-77.2% | $178,499-73.3% | $158,966-70.0% |
| Participation rate | 26.7% | 86.4%-59.7pp | 81.9%-55.3pp | 82.0%-55.3pp |
| Annual return | 22.65% | 188.80%-166.1pp | 151.10%-128.5pp | 302.95%-280.3pp |
| Employer contribution / active EE | $0 | $5,707-100.0% | $5,011-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $324 | $5,955-94.6% | $5,202-93.8% | $5,983-94.6% |
| Admin fee / account holder | $1,596 | $17,078-90.7% | $13,986-88.6% | $11,250-85.8% |