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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 | $110,215 | $76,834+43.4% | $108,359+1.7% | $87,485+26.0% |
| Participation rate | 53.5% | 61.7%-8.2pp | 70.1%-16.6pp | 68.9%-15.4pp |
| Annual return | 15.23% | 19.09%-3.9pp | 36.89%-21.7pp | 26.06%-10.8pp |
| Employer contribution / active EE | $1,812 | $1,556+16.4% | $2,399-24.5% | $2,596-30.2% |
| Participant deferral / active EE | $1,259 | $3,100-59.4% | $4,137-69.6% | $4,274-70.5% |
| Admin fee / account holder | $11,206 | $6,537+71.4% | $9,741+15.0% | $7,775+44.1% |