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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 | $105,750 | $201,259-47.5% | $184,200-42.6% | $145,959-27.5% |
| Participation rate | 35.3% | 87.5%-52.2pp | 86.8%-51.5pp | 80.3%-45.0pp |
| Annual return | 10.68% | 28.98%-18.3pp | 28.80%-18.1pp | 561.95%-551.3pp |
| Employer contribution / active EE | $0 | $7,018-100.0% | $6,424-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $2,685 | $9,806-72.6% | $9,132-70.6% | $6,689-59.8% |
| Admin fee / account holder | $18,857 | $16,372+15.2% | $13,907+35.6% | $13,398+40.7% |