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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 | $22,706 | $160,070-85.8% | $147,117-84.6% | $145,897-84.4% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 13.04% | 98.69%-85.6pp | 420.54%-407.5pp | 552.29%-539.3pp |
| Employer contribution / active EE | $1,759 | $5,285-66.7% | $4,932-64.3% | $4,663-62.3% |
| Participant deferral / active EE | $1,759 | $8,419-79.1% | $8,065-78.2% | $6,689-73.7% |
| Admin fee / account holder | $519 | $15,035-96.5% | $12,993-96.0% | $13,390-96.1% |