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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 | $126,345 | $103,966+21.5% | $112,923+11.9% | $75,177+68.1% |
| Participation rate | 51.5% | 75.7%-24.2pp | 80.5%-29.0pp | 67.2%-15.7pp |
| Annual return | 15.00% | 24.54%-9.5pp | 34.13%-19.1pp | 160.75%-145.7pp |
| Employer contribution / active EE | $8,040 | $3,870+107.7% | $4,570+75.9% | $2,671+201.0% |
| Participant deferral / active EE | $956 | $5,456-82.5% | $6,520-85.3% | $4,126-76.8% |
| Admin fee / account holder | $27,884 | $7,663+263.9% | $7,046+295.8% | $5,651+393.4% |