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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 | $180,946 | $102,422+76.7% | $147,117+23.0% | $80,959+123.5% |
| Participation rate | 66.7% | 75.9%-9.2pp | 82.2%-15.5pp | 67.7%-1.0pp |
| Annual return | 12.55% | 135.16%-122.6pp | 420.54%-408.0pp | 35.67%-23.1pp |
| Employer contribution / active EE | $7,278 | $3,717+95.8% | $4,932+47.6% | $2,757+164.0% |
| Participant deferral / active EE | $2,025 | $6,652-69.6% | $8,065-74.9% | $4,300-52.9% |
| Admin fee / account holder | $65,348 | $7,953+721.6% | $12,993+403.0% | $6,925+843.6% |