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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 | $149,620 | $101,752+47.0% | $164,928-9.3% | $80,911+84.9% |
| Participation rate | 38.7% | 71.8%-33.1pp | 78.6%-39.9pp | 67.6%-28.9pp |
| Annual return | 14.73% | 16.73%-2.0pp | 70.08%-55.3pp | 35.63%-20.9pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $660 | $4,477-85.3% | $6,034-89.1% | $4,297-84.6% |
| Admin fee / account holder | $16,837 | $8,218+104.9% | $12,684+32.7% | $6,935+142.8% |