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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 | $165,407 | $51,631+220.4% | $129,397+27.8% | $80,925+104.4% |
| Participation rate | 52.6% | 56.9%-4.3pp | 69.6%-17.0pp | 67.7%-15.0pp |
| Annual return | 14.88% | 20.77%-5.9pp | 9453.98%-9439.1pp | 35.65%-20.8pp |
| Employer contribution / active EE | $940 | $1,583-40.6% | $4,154-77.4% | $2,756-65.9% |
| Participant deferral / active EE | $359 | $2,670-86.5% | $4,167-91.4% | $4,299-91.6% |
| Admin fee / account holder | $2,273 | $4,309-47.2% | $7,679-70.4% | $6,940-67.2% |