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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 | $54,377 | $144,130-62.3% | $117,861-53.9% | $147,586-63.2% |
| Participation rate | 54.5% | 83.4%-28.9pp | 79.7%-25.1pp | 82.8%-28.3pp |
| Annual return | 8.65% | 531.20%-522.5pp | 335.11%-326.5pp | 578.59%-569.9pp |
| Employer contribution / active EE | $1,242 | $4,897-74.6% | $3,786-67.2% | $4,876-74.5% |
| Participant deferral / active EE | $1,407 | $5,316-73.5% | $4,482-68.6% | $5,439-74.1% |
| Admin fee / account holder | $12,092 | $10,887+11.1% | $8,021+50.8% | $10,886+11.1% |