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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 | $49,773 | $217,432-77.1% | $185,851-73.2% | $167,553-70.3% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 27.96% | 148.43%-120.5pp | 122.11%-94.2pp | 478.89%-450.9pp |
| Employer contribution / active EE | $0 | $5,874-100.0% | $5,168-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $162 | $6,357-97.4% | $5,569-97.1% | $6,343-97.4% |
| Admin fee / account holder | $1,512 | $19,820-92.4% | $16,245-90.7% | $12,316-87.7% |