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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 | $66,562 | $107,368-38.0% | $92,915-28.4% | $152,909-56.5% |
| Participation rate | 43.8% | 79.8%-36.0pp | 76.0%-32.3pp | 82.5%-38.7pp |
| Annual return | 21.08% | 145.64%-124.6pp | 109.45%-88.4pp | 345.46%-324.4pp |
| Employer contribution / active EE | $745 | $4,222-82.3% | $3,653-79.6% | $4,764-84.4% |
| Participant deferral / active EE | $0 | $4,848-100.0% | $4,238-100.0% | $5,851-100.0% |
| Admin fee / account holder | $1,000 | $7,082-85.9% | $5,796-82.7% | $11,601-91.4% |