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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 | $14,769 | $114,073-87.1% | $96,161-84.6% | $167,518-91.2% |
| Participation rate | 38.1% | 75.1%-37.0pp | 68.4%-30.4pp | 82.1%-44.0pp |
| Annual return | 14.18% | 189.95%-175.8pp | 192.01%-177.8pp | 478.71%-464.5pp |
| Employer contribution / active EE | $447 | $3,428-87.0% | $2,798-84.0% | $4,838-90.8% |
| Participant deferral / active EE | $588 | $5,195-88.7% | $4,349-86.5% | $6,342-90.7% |
| Admin fee / account holder | $1,365 | $6,899-80.2% | $5,538-75.4% | $12,312-88.9% |