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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 | $9,365 | $96,678-90.3% | $86,640-89.2% | $139,466-93.3% |
| Participation rate | 36.8% | 74.4%-37.6pp | 71.7%-34.9pp | 80.3%-43.5pp |
| Annual return | 16.27% | 106.69%-90.4pp | 592.52%-576.2pp | 373.66%-357.4pp |
| Employer contribution / active EE | $371 | $3,265-88.7% | $3,024-87.7% | $4,754-92.2% |
| Participant deferral / active EE | $371 | $4,837-92.3% | $4,438-91.7% | $6,712-94.5% |
| Admin fee / account holder | $320 | $6,410-95.0% | $5,616-94.3% | $11,409-97.2% |