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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 | $116,865 | $209,428-44.2% | $178,498-34.5% | $158,950-26.5% |
| Participation rate | 45.5% | 86.4%-40.9pp | 81.9%-36.5pp | 82.0%-36.5pp |
| Annual return | 28.20% | 188.78%-160.6pp | 151.09%-122.9pp | 302.91%-274.7pp |
| Employer contribution / active EE | $0 | $5,707-100.0% | $5,011-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $95 | $5,955-98.4% | $5,202-98.2% | $5,983-98.4% |
| Admin fee / account holder | $1,182 | $17,077-93.1% | $13,985-91.5% | $11,248-89.5% |