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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 | $66,305 | $129,737-48.9% | $119,126-44.3% | $154,746-57.2% |
| Participation rate | 38.9% | 78.9%-40.0pp | 75.8%-36.9pp | 80.7%-41.8pp |
| Annual return | 13.45% | 379.08%-365.6pp | 282.11%-268.7pp | 172.34%-158.9pp |
| Employer contribution / active EE | $1,271 | $4,375-70.9% | $4,034-68.5% | $4,379-71.0% |
| Participant deferral / active EE | $1,583 | $5,842-72.9% | $5,318-70.2% | $6,730-76.5% |
| Admin fee / account holder | $720 | $11,961-94.0% | $10,693-93.3% | $14,365-95.0% |