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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 | $186,984 | $62,592+198.7% | $85,709+118.2% | $85,847+117.8% |
| Participation rate | 10.9% | 61.1%-50.3pp | 69.9%-59.0pp | 69.3%-58.4pp |
| Annual return | 15.57% | 23.77%-8.2pp | 21.49%-5.9pp | 318.61%-303.0pp |
| Employer contribution / active EE | $387 | $1,755-78.0% | $2,619-85.2% | $2,565-84.9% |
| Participant deferral / active EE | $751 | $2,802-73.2% | $3,924-80.9% | $3,952-81.0% |
| Admin fee / account holder | $24,985 | $4,643+438.2% | $6,876+263.4% | $6,261+299.1% |