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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 | $63,820 | $134,817-52.7% | $123,973-48.5% | $155,188-58.9% |
| Participation rate | 37.5% | 79.4%-41.9pp | 76.7%-39.2pp | 80.8%-43.3pp |
| Annual return | 15.89% | 515.49%-499.6pp | 388.13%-372.2pp | 148.84%-132.9pp |
| Employer contribution / active EE | $1,040 | $4,425-76.5% | $4,126-74.8% | $4,248-75.5% |
| Participant deferral / active EE | $541 | $5,706-90.5% | $5,247-89.7% | $6,531-91.7% |
| Admin fee / account holder | $1,415 | $13,245-89.3% | $11,799-88.0% | $14,480-90.2% |