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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 | $193,406 | $275,752-29.9% | $256,809-24.7% | $198,609-2.6% |
| Participation rate | 66.7% | 89.2%-22.5pp | 88.5%-21.9pp | 82.4%-15.7pp |
| Annual return | 13.67% | 34.81%-21.1pp | 32.73%-19.1pp | 202.70%-189.0pp |
| Employer contribution / active EE | $8,555 | $7,721+10.8% | $7,263+17.8% | $5,055+69.2% |
| Participant deferral / active EE | $4,168 | $10,037-58.5% | $9,520-56.2% | $6,977-40.3% |
| Admin fee / account holder | $2,198 | $25,716-91.5% | $25,146-91.3% | $19,030-88.5% |