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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 | $29,804 | $165,399-82.0% | $149,745-80.1% | $158,982-81.3% |
| Participation rate | 63.6% | 84.6%-20.9pp | 82.5%-18.8pp | 82.0%-18.3pp |
| Annual return | 0.00% | 348.34%-348.3pp | 276.72%-276.7pp | 302.99%-303.0pp |
| Employer contribution / active EE | $1,156 | $5,105-77.3% | $4,646-75.1% | $4,763-75.7% |
| Participant deferral / active EE | $1,917 | $7,183-73.3% | $6,843-72.0% | $5,983-68.0% |
| Admin fee / account holder | $714 | $10,811-93.4% | $9,312-92.3% | $11,252-93.7% |