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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 | $29,762 | $175,257-83.0% | $149,717-80.1% | $139,456-78.7% |
| Participation rate | 40.0% | 83.4%-43.4pp | 78.8%-38.8pp | 80.3%-40.3pp |
| Annual return | 14.97% | 166.70%-151.7pp | 134.41%-119.4pp | 373.45%-358.5pp |
| Employer contribution / active EE | $1,487 | $5,477-72.9% | $4,820-69.2% | $4,753-68.7% |
| Participant deferral / active EE | $1,830 | $6,521-71.9% | $5,682-67.8% | $6,711-72.7% |
| Admin fee / account holder | $1,538 | $16,156-90.5% | $13,213-88.4% | $11,407-86.5% |