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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 | $80,277 | $217,432-63.1% | $185,851-56.8% | $167,553-52.1% |
| Participation rate | 46.2% | 86.1%-39.9pp | 81.7%-35.6pp | 82.1%-36.0pp |
| Annual return | 12.41% | 148.43%-136.0pp | 122.11%-109.7pp | 478.89%-466.5pp |
| Employer contribution / active EE | $2,411 | $5,874-59.0% | $5,168-53.4% | $4,840-50.2% |
| Participant deferral / active EE | $1,013 | $6,357-84.1% | $5,569-81.8% | $6,343-84.0% |
| Admin fee / account holder | $1,855 | $19,820-90.6% | $16,245-88.6% | $12,316-84.9% |