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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 | $133,226 | $106,280+25.4% | $96,538+38.0% | $139,487-4.5% |
| Participation rate | 54.5% | 77.8%-23.3pp | 74.3%-19.8pp | 80.3%-25.8pp |
| Annual return | 11.47% | 38.48%-27.0pp | 35.74%-24.3pp | 373.84%-362.4pp |
| Employer contribution / active EE | $866 | $4,107-78.9% | $3,740-76.8% | $4,755-81.8% |
| Participant deferral / active EE | $1,182 | $5,457-78.3% | $4,880-75.8% | $6,713-82.4% |
| Admin fee / account holder | $19,479 | $7,888+146.9% | $6,737+189.1% | $11,407+70.8% |