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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 | $54,829 | $185,905-70.5% | $170,057-67.8% | $139,487-60.7% |
| Participation rate | 54.5% | 87.8%-33.2pp | 87.0%-32.5pp | 80.3%-25.8pp |
| Annual return | 11.39% | 60.56%-49.2pp | 53.42%-42.0pp | 373.84%-362.5pp |
| Employer contribution / active EE | $2,171 | $7,597-71.4% | $6,790-68.0% | $4,755-54.3% |
| Participant deferral / active EE | $2,953 | $11,627-74.6% | $10,411-71.6% | $6,713-56.0% |
| Admin fee / account holder | $10,388 | $15,397-32.5% | $12,826-19.0% | $11,407-8.9% |