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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 | $161,687 | $144,130+12.2% | $117,861+37.2% | $147,586+9.6% |
| Participation rate | 58.8% | 83.4%-24.6pp | 79.7%-20.8pp | 82.8%-24.0pp |
| Annual return | 11.60% | 531.20%-519.6pp | 335.11%-323.5pp | 578.59%-567.0pp |
| Employer contribution / active EE | $6,631 | $4,897+35.4% | $3,786+75.1% | $4,876+36.0% |
| Participant deferral / active EE | $0 | $5,316-100.0% | $4,482-100.0% | $5,439-100.0% |
| Admin fee / account holder | $981 | $10,887-91.0% | $8,021-87.8% | $10,886-91.0% |