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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 | $169,040 | $135,905+24.4% | $126,068+34.1% | $198,609-14.9% |
| Participation rate | 66.7% | 85.6%-19.0pp | 84.7%-18.0pp | 82.4%-15.7pp |
| Annual return | 7.53% | 14.07%-6.5pp | 15.01%-7.5pp | 202.70%-195.2pp |
| Employer contribution / active EE | $0 | $4,245-100.0% | $3,968-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $1,016 | $8,523-88.1% | $8,214-87.6% | $6,977-85.4% |
| Admin fee / account holder | $21,268 | $21,036+1.1% | $18,264+16.4% | $19,030+11.8% |