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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 | $103,762 | $210,698-50.8% | $178,014-41.7% | $145,959-28.9% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 57.51% | 386.27%-328.8pp | 294.80%-237.3pp | 561.95%-504.4pp |
| Employer contribution / active EE | $0 | $4,567-100.0% | $3,950-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $867 | $6,958-87.5% | $6,276-86.2% | $6,689-87.0% |
| Admin fee / account holder | $583 | $12,016-95.2% | $10,362-94.4% | $13,398-95.7% |