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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 | $144,886 | $227,399-36.3% | $189,758-23.6% | $198,609-27.0% |
| Participation rate | 50.0% | 84.0%-34.0pp | 79.8%-29.8pp | 82.4%-32.4pp |
| Annual return | 12.45% | 61.03%-48.6pp | 52.62%-40.2pp | 202.70%-190.2pp |
| Employer contribution / active EE | $2,745 | $5,526-50.3% | $4,767-42.4% | $5,055-45.7% |
| Participant deferral / active EE | $2,383 | $6,837-65.1% | $5,856-59.3% | $6,977-65.8% |
| Admin fee / account holder | $1,430 | $25,162-94.3% | $20,388-93.0% | $19,030-92.5% |