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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 | $240,851 | $93,598+157.3% | $135,974+77.1% | $75,173+220.4% |
| Participation rate | 26.5% | 75.2%-48.7pp | 81.9%-55.4pp | 67.2%-40.7pp |
| Annual return | 20.73% | 30.89%-10.2pp | 68.30%-47.6pp | 160.72%-140.0pp |
| Employer contribution / active EE | $889 | $3,538-74.9% | $4,859-81.7% | $2,671-66.7% |
| Participant deferral / active EE | $2,301 | $6,405-64.1% | $7,760-70.3% | $4,126-44.2% |
| Admin fee / account holder | $2,569 | $6,978-63.2% | $10,767-76.1% | $5,651-54.5% |