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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 | $124,135 | $115,814+7.2% | $101,275+22.6% | $158,982-21.9% |
| Participation rate | 22.2% | 79.4%-57.1pp | 75.8%-53.6pp | 82.0%-59.7pp |
| Annual return | 9.17% | 56.16%-47.0pp | 46.48%-37.3pp | 302.99%-293.8pp |
| Employer contribution / active EE | $897 | $4,176-78.5% | $3,660-75.5% | $4,763-81.2% |
| Participant deferral / active EE | $1,205 | $4,958-75.7% | $4,371-72.4% | $5,983-79.9% |
| Admin fee / account holder | $12,876 | $7,249+77.6% | $5,948+116.5% | $11,252+14.4% |