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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 | $100,327 | $129,737-22.7% | $119,126-15.8% | $154,746-35.2% |
| Participation rate | 52.6% | 78.9%-26.2pp | 75.8%-23.1pp | 80.7%-28.1pp |
| Annual return | 15.79% | 379.08%-363.3pp | 282.11%-266.3pp | 172.34%-156.5pp |
| Employer contribution / active EE | $1,090 | $4,375-75.1% | $4,034-73.0% | $4,379-75.1% |
| Participant deferral / active EE | $1,339 | $5,842-77.1% | $5,318-74.8% | $6,730-80.1% |
| Admin fee / account holder | $475 | $11,961-96.0% | $10,693-95.6% | $14,365-96.7% |