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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 | $89,225+16.7% | $133,698-22.1% | $74,478+39.8% |
| Participation rate | 14.4% | 69.4%-55.0pp | 76.4%-62.0pp | 67.2%-52.8pp |
| Annual return | 12.69% | 22.76%-10.1pp | 580.90%-568.2pp | 1370.56%-1357.9pp |
| Employer contribution / active EE | $813 | $2,816-71.1% | $4,218-80.7% | $2,626-69.1% |
| Participant deferral / active EE | $1,143 | $4,597-75.1% | $7,016-83.7% | $4,350-73.7% |
| Admin fee / account holder | $15,144 | $1,545+880.0% | $6,703+125.9% | $1,946+678.3% |