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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 | $205,622 | $183,592+12.0% | $155,574+32.2% | $145,877+41.0% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 91.99% | 61.37%+30.6pp | 64.87%+27.1pp | 551.28%-459.3pp |
| Employer contribution / active EE | $14,872 | $5,317+179.7% | $4,676+218.1% | $4,663+218.9% |
| Participant deferral / active EE | $0 | $6,466-100.0% | $5,629-100.0% | $6,691-100.0% |
| Admin fee / account holder | $21,833 | $19,316+13.0% | $15,914+37.2% | $13,402+62.9% |