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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 | $103,312 | $160,070-35.5% | $147,117-29.8% | $145,897-29.2% |
| Participation rate | 16.7% | 84.0%-67.4pp | 82.2%-65.5pp | 80.3%-63.6pp |
| Annual return | 14.76% | 98.69%-83.9pp | 420.54%-405.8pp | 552.29%-537.5pp |
| Employer contribution / active EE | $1,197 | $5,285-77.4% | $4,932-75.7% | $4,663-74.3% |
| Participant deferral / active EE | $2,310 | $8,419-72.6% | $8,065-71.4% | $6,689-65.5% |
| Admin fee / account holder | $23,834 | $15,035+58.5% | $12,993+83.4% | $13,390+78.0% |