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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 | $159,934-35.4% | $147,005-29.7% | $145,959-29.2% |
| Participation rate | 16.7% | 84.0%-67.3pp | 82.2%-65.5pp | 80.3%-63.6pp |
| Annual return | 14.76% | 98.24%-83.5pp | 418.76%-404.0pp | 561.95%-547.2pp |
| Employer contribution / active EE | $1,197 | $5,287-77.4% | $4,934-75.7% | $4,661-74.3% |
| Participant deferral / active EE | $2,310 | $8,427-72.6% | $8,070-71.4% | $6,689-65.5% |
| Admin fee / account holder | $23,834 | $15,053+58.3% | $13,006+83.2% | $13,398+77.9% |