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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 | $39,109 | $165,381-76.4% | $149,730-73.9% | $158,966-75.4% |
| Participation rate | 60.9% | 84.6%-23.7pp | 82.5%-21.6pp | 82.0%-21.1pp |
| Annual return | 14.07% | 348.29%-334.2pp | 276.70%-262.6pp | 302.95%-288.9pp |
| Employer contribution / active EE | $1,176 | $5,104-77.0% | $4,645-74.7% | $4,762-75.3% |
| Participant deferral / active EE | $1,187 | $7,182-83.5% | $6,843-82.7% | $5,983-80.2% |
| Admin fee / account holder | $5,076 | $10,809-53.0% | $9,310-45.5% | $11,250-54.9% |