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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 | $102,382+44.3% | $147,005+0.5% | $80,874+82.6% |
| Participation rate | 57.1% | 75.8%-18.7pp | 82.2%-25.0pp | 67.6%-10.5pp |
| Annual return | 18.05% | 134.89%-116.8pp | 418.76%-400.7pp | 35.62%-17.6pp |
| Employer contribution / active EE | $4,900 | $3,715+31.9% | $4,934-0.7% | $2,756+77.8% |
| Participant deferral / active EE | $1,166 | $6,646-82.5% | $8,070-85.6% | $4,297-72.9% |
| Admin fee / account holder | $11,118 | $7,942+40.0% | $13,006-14.5% | $6,935+60.3% |