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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 | $101,400 | $144,130-29.6% | $117,861-14.0% | $147,586-31.3% |
| Participation rate | 46.2% | 83.4%-37.3pp | 79.7%-33.5pp | 82.8%-36.7pp |
| Annual return | 14.45% | 531.20%-516.7pp | 335.11%-320.7pp | 578.59%-564.1pp |
| Employer contribution / active EE | $0 | $4,897-100.0% | $3,786-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $844 | $5,316-84.1% | $4,482-81.2% | $5,439-84.5% |
| Admin fee / account holder | $28,934 | $10,887+165.8% | $8,021+260.7% | $10,886+165.8% |