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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 | $170,043 | $157,829+7.7% | $136,867+24.2% | $198,609-14.4% |
| Participation rate | 50.0% | 77.2%-27.2pp | 74.5%-24.5pp | 82.4%-32.4pp |
| Annual return | 10.60% | 51.25%-40.6pp | 42.97%-32.4pp | 202.70%-192.1pp |
| Employer contribution / active EE | $790 | $3,923-79.9% | $3,547-77.7% | $5,055-84.4% |
| Participant deferral / active EE | $1,302 | $5,463-76.2% | $4,924-73.6% | $6,977-81.3% |
| Admin fee / account holder | $1,969 | $11,107-82.3% | $10,340-81.0% | $19,030-89.7% |