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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 | $44,191 | $183,592-75.9% | $155,567-71.6% | $145,959-69.7% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 9.65% | 61.24%-51.6pp | 64.74%-55.1pp | 561.95%-552.3pp |
| Employer contribution / active EE | $1,100 | $5,315-79.3% | $4,674-76.5% | $4,661-76.4% |
| Participant deferral / active EE | $1,513 | $6,464-76.6% | $5,628-73.1% | $6,689-77.4% |
| Admin fee / account holder | $582 | $19,318-97.0% | $15,916-96.3% | $13,398-95.7% |