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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 | $147,700 | $102,385+44.3% | $147,080+0.4% | $80,935+82.5% |
| Participation rate | 57.1% | 75.9%-18.7pp | 82.2%-25.0pp | 67.7%-10.5pp |
| Annual return | 18.05% | 135.09%-117.0pp | 420.17%-402.1pp | 35.66%-17.6pp |
| Employer contribution / active EE | $4,900 | $3,717+31.8% | $4,933-0.7% | $2,757+77.7% |
| Participant deferral / active EE | $1,166 | $6,651-82.5% | $8,066-85.5% | $4,299-72.9% |
| Admin fee / account holder | $11,118 | $7,951+39.8% | $12,989-14.4% | $6,924+60.6% |