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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 | $166,862 | $157,829+5.7% | $136,867+21.9% | $198,609-16.0% |
| Participation rate | 63.2% | 77.2%-14.0pp | 74.5%-11.4pp | 82.4%-19.2pp |
| Annual return | 10.52% | 51.25%-40.7pp | 42.97%-32.5pp | 202.70%-192.2pp |
| Employer contribution / active EE | $1,124 | $3,923-71.4% | $3,547-68.3% | $5,055-77.8% |
| Participant deferral / active EE | $887 | $5,463-83.8% | $4,924-82.0% | $6,977-87.3% |
| Admin fee / account holder | $3,877 | $11,107-65.1% | $10,340-62.5% | $19,030-79.6% |