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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 | $112,093 | $150,447-25.5% | $136,298-17.8% | $147,586-24.0% |
| Participation rate | 54.5% | 84.4%-29.9pp | 81.9%-27.4pp | 82.8%-28.3pp |
| Annual return | 30.33% | 1049.15%-1018.8pp | 5156.27%-5125.9pp | 578.59%-548.3pp |
| Employer contribution / active EE | $1,263 | $5,256-76.0% | $4,696-73.1% | $4,876-74.1% |
| Participant deferral / active EE | $2,021 | $6,631-69.5% | $6,247-67.7% | $5,439-62.8% |
| Admin fee / account holder | $15,398 | $10,906+41.2% | $9,244+66.6% | $10,886+41.5% |