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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 | $224,530 | $80,992+177.2% | $96,534+132.6% | $75,173+198.7% |
| Participation rate | 35.0% | 71.8%-36.8pp | 76.0%-41.0pp | 67.2%-32.2pp |
| Annual return | 14.96% | 27.05%-12.1pp | 25.88%-10.9pp | 160.72%-145.8pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,231 | $3,929-68.7% | $4,851-74.6% | $4,126-70.2% |
| Admin fee / account holder | $118,320 | $6,717+1661.5% | $8,253+1333.6% | $5,651+1993.9% |