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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 | $209,909 | $167,353+25.4% | $143,797+46.0% | $134,545+56.0% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -14.64% | 0.48%-15.1pp | -0.04%-14.6pp | 418.37%-433.0pp |
| Employer contribution / active EE | $17,100 | $5,620+204.2% | $4,952+245.3% | $4,742+260.6% |
| Participant deferral / active EE | $2,064 | $6,447-68.0% | $5,638-63.4% | $6,401-67.8% |
| Admin fee / account holder | $9,382 | $18,096-48.2% | $14,679-36.1% | $11,431-17.9% |