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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 | $126,167 | $201,372-37.3% | $184,260-31.5% | $145,884-13.5% |
| Participation rate | 62.5% | 87.5%-25.0pp | 86.8%-24.3pp | 80.3%-17.8pp |
| Annual return | 10.85% | 29.04%-18.2pp | 28.84%-18.0pp | 551.85%-541.0pp |
| Employer contribution / active EE | $5,406 | $7,024-23.0% | $6,427-15.9% | $4,662+16.0% |
| Participant deferral / active EE | $2,825 | $9,808-71.2% | $9,133-69.1% | $6,690-57.8% |
| Admin fee / account holder | $12,660 | $16,362-22.6% | $13,898-8.9% | $13,392-5.5% |