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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 | $32,764 | $129,737-74.7% | $119,126-72.5% | $154,746-78.8% |
| Participation rate | 35.7% | 78.9%-43.1pp | 75.8%-40.0pp | 80.7%-45.0pp |
| Annual return | 12.76% | 379.08%-366.3pp | 282.11%-269.4pp | 172.34%-159.6pp |
| Employer contribution / active EE | $1,068 | $4,375-75.6% | $4,034-73.5% | $4,379-75.6% |
| Participant deferral / active EE | $1,613 | $5,842-72.4% | $5,318-69.7% | $6,730-76.0% |
| Admin fee / account holder | $1,075 | $11,961-91.0% | $10,693-89.9% | $14,365-92.5% |