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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 | $13,736 | $102,595-86.6% | $94,057-85.4% | $154,746-91.1% |
| Participation rate | 28.6% | 76.0%-47.4pp | 73.3%-44.8pp | 80.7%-52.1pp |
| Annual return | 15.13% | 583.42%-568.3pp | 480.62%-465.5pp | 172.34%-157.2pp |
| Employer contribution / active EE | $723 | $3,147-77.0% | $2,933-75.3% | $4,379-83.5% |
| Participant deferral / active EE | $863 | $5,118-83.1% | $4,709-81.7% | $6,730-87.2% |
| Admin fee / account holder | $4,219 | $7,736-45.5% | $7,244-41.8% | $14,365-70.6% |