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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 | $105,129 | $171,867-38.8% | $149,721-29.8% | $147,586-28.8% |
| Participation rate | 50.0% | 88.2%-38.2pp | 87.1%-37.1pp | 82.8%-32.8pp |
| Annual return | 14.34% | 2113.36%-2099.0pp | 1501.67%-1487.3pp | 578.59%-564.3pp |
| Employer contribution / active EE | $1,532 | $6,275-75.6% | $5,444-71.9% | $4,876-68.6% |
| Participant deferral / active EE | $2,055 | $7,270-71.7% | $6,568-68.7% | $5,439-62.2% |
| Admin fee / account holder | $13,766 | $13,799-0.2% | $11,282+22.0% | $10,886+26.5% |