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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 | $20,711 | $134,817-84.6% | $123,973-83.3% | $155,188-86.7% |
| Participation rate | 30.4% | 79.4%-49.0pp | 76.7%-46.2pp | 80.8%-50.4pp |
| Annual return | 20.05% | 515.49%-495.4pp | 388.13%-368.1pp | 148.84%-128.8pp |
| Employer contribution / active EE | $1,063 | $4,425-76.0% | $4,126-74.2% | $4,248-75.0% |
| Participant deferral / active EE | $1,507 | $5,706-73.6% | $5,247-71.3% | $6,531-76.9% |
| Admin fee / account holder | $474 | $13,245-96.4% | $11,799-96.0% | $14,480-96.7% |