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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 | $142,717 | $183,627-22.3% | $155,602-8.3% | $145,978-2.2% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 9.75% | 61.32%-51.6pp | 64.81%-55.1pp | 550.52%-540.8pp |
| Employer contribution / active EE | $1,411 | $5,316-73.5% | $4,675-69.8% | $4,662-69.7% |
| Participant deferral / active EE | $1,517 | $6,466-76.5% | $5,629-73.1% | $6,690-77.3% |
| Admin fee / account holder | $5,000 | $19,327-74.1% | $15,923-68.6% | $13,400-62.7% |