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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 | $124,466 | $65,434+90.2% | $98,483+26.4% | $85,847+45.0% |
| Participation rate | 26.9% | 65.0%-38.1pp | 73.3%-46.4pp | 69.3%-42.4pp |
| Annual return | 26.95% | 21.75%+5.2pp | 1494.38%-1467.4pp | 318.61%-291.7pp |
| Employer contribution / active EE | $661 | $2,169-69.5% | $2,961-77.7% | $2,565-74.2% |
| Participant deferral / active EE | $837 | $3,168-73.6% | $4,276-80.4% | $3,952-78.8% |
| Admin fee / account holder | $876 | $4,595-80.9% | $5,953-85.3% | $6,261-86.0% |