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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 | $15,966 | $100,938-84.2% | $90,461-82.4% | $158,982-90.0% |
| Participation rate | 41.7% | 75.0%-33.4pp | 72.7%-31.0pp | 82.0%-40.3pp |
| Annual return | 14.18% | 1727.20%-1713.0pp | 1294.76%-1280.6pp | 302.99%-288.8pp |
| Employer contribution / active EE | $336 | $3,691-90.9% | $3,264-89.7% | $4,763-92.9% |
| Participant deferral / active EE | $535 | $4,350-87.7% | $3,964-86.5% | $5,983-91.1% |
| Admin fee / account holder | $1,753 | $6,510-73.1% | $5,617-68.8% | $11,252-84.4% |