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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 | $104,142 | $78,670+32.4% | $109,173-4.6% | $85,847+21.3% |
| Participation rate | 65.1% | 68.3%-3.2pp | 75.9%-10.8pp | 69.3%-4.2pp |
| Annual return | 17.97% | 25.09%-7.1pp | 25.75%-7.8pp | 318.61%-300.6pp |
| Employer contribution / active EE | $11,083 | $2,734+305.4% | $3,723+197.7% | $2,565+332.0% |
| Participant deferral / active EE | $1,418 | $3,467-59.1% | $4,654-69.5% | $3,952-64.1% |
| Admin fee / account holder | $1,768 | $5,469-67.7% | $6,755-73.8% | $6,261-71.8% |