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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 | $114,093-87.1% | $96,171-84.6% | $167,536-91.2% |
| Participation rate | 38.1% | 75.1%-37.0pp | 68.4%-30.3pp | 82.1%-44.0pp |
| Annual return | 14.18% | 190.00%-175.8pp | 192.04%-177.9pp | 478.82%-464.6pp |
| Employer contribution / active EE | $447 | $3,429-87.0% | $2,799-84.0% | $4,839-90.8% |
| Participant deferral / active EE | $588 | $5,197-88.7% | $4,350-86.5% | $6,342-90.7% |
| Admin fee / account holder | $1,365 | $6,899-80.2% | $5,538-75.4% | $12,315-88.9% |