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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 | $114,577 | $148,629-22.9% | $135,982-15.7% | $139,487-17.9% |
| Participation rate | 60.0% | 83.9%-23.9pp | 81.9%-21.9pp | 80.3%-20.3pp |
| Annual return | 15.80% | 79.33%-63.5pp | 68.32%-52.5pp | 373.84%-358.0pp |
| Employer contribution / active EE | $3,024 | $5,247-42.4% | $4,859-37.8% | $4,755-36.4% |
| Participant deferral / active EE | $2,238 | $8,102-72.4% | $7,760-71.2% | $6,713-66.7% |
| Admin fee / account holder | $17,399 | $12,406+40.2% | $10,767+61.6% | $11,407+52.5% |