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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 | $108,355 | $165,399-34.5% | $149,745-27.6% | $158,982-31.8% |
| Participation rate | 60.0% | 84.6%-24.6pp | 82.5%-22.5pp | 82.0%-22.0pp |
| Annual return | 13.04% | 348.34%-335.3pp | 276.72%-263.7pp | 302.99%-290.0pp |
| Employer contribution / active EE | $1,174 | $5,105-77.0% | $4,646-74.7% | $4,763-75.4% |
| Participant deferral / active EE | $1,015 | $7,183-85.9% | $6,843-85.2% | $5,983-83.0% |
| Admin fee / account holder | $14,290 | $10,811+32.2% | $9,312+53.5% | $11,252+27.0% |