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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 | $88,996+56.4% | $78,004+78.4% | $138,895+0.2% |
| Participation rate | 66.7% | 74.4%-7.7pp | 69.4%-2.8pp | 79.9%-13.3pp |
| Annual return | 15.48% | 28.03%-12.5pp | 31.07%-15.6pp | 145.39%-129.9pp |
| Employer contribution / active EE | $5,798 | $2,917+98.8% | $2,469+134.8% | $4,194+38.2% |
| Participant deferral / active EE | $0 | $4,724-100.0% | $4,092-100.0% | $6,396-100.0% |
| Admin fee / account holder | $3,596 | $8,807-59.2% | $7,578-52.6% | $12,562-71.4% |