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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 | $160,496 | $176,120-8.9% | $159,487+0.6% | $167,553-4.2% |
| Participation rate | 60.0% | 85.0%-25.0pp | 82.8%-22.8pp | 82.1%-22.1pp |
| Annual return | 14.16% | 331.95%-317.8pp | 263.71%-249.5pp | 478.89%-464.7pp |
| Employer contribution / active EE | $1,010 | $5,299-80.9% | $4,831-79.1% | $4,840-79.1% |
| Participant deferral / active EE | $1,343 | $7,752-82.7% | $7,354-81.7% | $6,343-78.8% |
| Admin fee / account holder | $5,900 | $12,561-53.0% | $10,804-45.4% | $12,316-52.1% |