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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 | $159,978-35.4% | $147,041-29.7% | $145,978-29.2% |
| Participation rate | 16.7% | 84.0%-67.3pp | 82.2%-65.5pp | 80.3%-63.6pp |
| Annual return | 14.76% | 98.36%-83.6pp | 419.21%-404.4pp | 550.52%-535.8pp |
| Employer contribution / active EE | $1,197 | $5,288-77.4% | $4,935-75.7% | $4,662-74.3% |
| Participant deferral / active EE | $2,310 | $8,429-72.6% | $8,071-71.4% | $6,690-65.5% |
| Admin fee / account holder | $23,834 | $15,053+58.3% | $13,006+83.2% | $13,400+77.9% |