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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 | $121,601 | $227,399-46.5% | $189,758-35.9% | $198,609-38.8% |
| Participation rate | 59.1% | 84.0%-24.9pp | 79.8%-20.7pp | 82.4%-23.3pp |
| Annual return | 12.96% | 61.03%-48.1pp | 52.62%-39.7pp | 202.70%-189.7pp |
| Employer contribution / active EE | $2,071 | $5,526-62.5% | $4,767-56.5% | $5,055-59.0% |
| Participant deferral / active EE | $2,898 | $6,837-57.6% | $5,856-50.5% | $6,977-58.5% |
| Admin fee / account holder | $4,078 | $25,162-83.8% | $20,388-80.0% | $19,030-78.6% |