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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 | $158,105 | $111,535+41.8% | $105,223+50.3% | $137,256+15.2% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 80.0%-30.0pp |
| Annual return | 12.71% | 237.85%-225.1pp | 180.65%-167.9pp | 220.34%-207.6pp |
| Employer contribution / active EE | $993 | $3,939-74.8% | $3,689-73.1% | $4,156-76.1% |
| Participant deferral / active EE | $1,183 | $5,500-78.5% | $5,072-76.7% | $6,407-81.5% |
| Admin fee / account holder | $24,521 | $9,721+152.2% | $8,859+176.8% | $12,270+99.8% |