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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 | $157,713 | $57,140+176.0% | $85,240+85.0% | $80,959+94.8% |
| Participation rate | 13.6% | 56.4%-42.8pp | 67.5%-53.9pp | 67.7%-54.0pp |
| Annual return | 14.16% | 21.71%-7.5pp | 66.75%-52.6pp | 35.67%-21.5pp |
| Employer contribution / active EE | $1,002 | $1,802-44.4% | $2,735-63.4% | $2,757-63.6% |
| Participant deferral / active EE | $233 | $3,115-92.5% | $4,527-94.8% | $4,300-94.6% |
| Admin fee / account holder | $1,340 | $4,992-73.2% | $6,165-78.3% | $6,925-80.6% |