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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 | $65,405 | $202,440-67.7% | $169,390-61.4% | $139,466-53.1% |
| Participation rate | 66.7% | 81.1%-14.4pp | 77.2%-10.5pp | 80.3%-13.7pp |
| Annual return | 20.04% | 532.36%-512.3pp | 406.07%-386.0pp | 373.66%-353.6pp |
| Employer contribution / active EE | $0 | $4,693-100.0% | $4,013-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $794 | $6,940-88.6% | $6,222-87.2% | $6,712-88.2% |
| Admin fee / account holder | $473 | $10,722-95.6% | $9,015-94.8% | $11,409-95.9% |