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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 | $140,854 | $198,462-29.0% | $170,439-17.4% | $147,585-4.6% |
| Participation rate | 5.9% | 88.0%-82.1pp | 83.6%-77.7pp | 82.8%-76.9pp |
| Annual return | 15.03% | 257.30%-242.3pp | 205.94%-190.9pp | 578.58%-563.5pp |
| Employer contribution / active EE | $2,923 | $6,184-52.7% | $5,433-46.2% | $4,876-40.1% |
| Participant deferral / active EE | $1,353 | $5,629-76.0% | $4,939-72.6% | $5,439-75.1% |
| Admin fee / account holder | $2,070 | $16,852-87.7% | $13,881-85.1% | $10,886-81.0% |