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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 | $248,443 | $89,367+178.0% | $141,191+76.0% | $72,975+240.4% |
| Participation rate | 17.9% | 75.1%-57.3pp | 82.5%-64.6pp | 69.5%-51.6pp |
| Annual return | 27.15% | 111.87%-84.7pp | 71.41%-44.3pp | 81.01%-53.9pp |
| Employer contribution / active EE | $650 | $3,115-79.1% | $4,736-86.3% | $2,440-73.3% |
| Participant deferral / active EE | $1,725 | $5,419-68.2% | $6,710-74.3% | $3,608-52.2% |
| Admin fee / account holder | $1,896 | $5,957-68.2% | $10,264-81.5% | $5,124-63.0% |