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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 | $136,422 | $138,076-1.2% | $123,553+10.4% | $135,380+0.8% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | 14.27% | 153.70%-139.4pp | 119.21%-104.9pp | 519.81%-505.5pp |
| Employer contribution / active EE | $22,839 | $5,152+343.3% | $4,628+393.5% | $4,779+377.9% |
| Participant deferral / active EE | $0 | $6,800-100.0% | $6,426-100.0% | $5,609-100.0% |
| Admin fee / account holder | $13,117 | $10,917+20.2% | $9,284+41.3% | $10,828+21.1% |