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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 | $139,053 | $196,972-29.4% | $182,262-23.7% | $198,609-30.0% |
| Participation rate | 66.7% | 85.7%-19.0pp | 84.2%-17.5pp | 82.4%-15.7pp |
| Annual return | 13.98% | 158.27%-144.3pp | 140.60%-126.6pp | 202.70%-188.7pp |
| Employer contribution / active EE | $2,410 | $5,364-55.1% | $5,046-52.2% | $5,055-52.3% |
| Participant deferral / active EE | $3,013 | $8,643-65.1% | $8,276-63.6% | $6,977-56.8% |
| Admin fee / account holder | $72,808 | $18,429+295.1% | $16,712+335.7% | $19,030+282.6% |