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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 | $139,158 | $87,166+59.6% | $76,735+81.3% | $137,256+1.4% |
| Participation rate | 66.7% | 74.4%-7.7pp | 69.5%-2.8pp | 80.0%-13.3pp |
| Annual return | 15.48% | 26.50%-11.0pp | 29.77%-14.3pp | 220.34%-204.9pp |
| Employer contribution / active EE | $5,798 | $2,904+99.6% | $2,454+136.2% | $4,156+39.5% |
| Participant deferral / active EE | $0 | $4,726-100.0% | $4,088-100.0% | $6,407-100.0% |
| Admin fee / account holder | $3,596 | $8,403-57.2% | $7,189-50.0% | $12,270-70.7% |