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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 | $128,855 | $80,705+59.7% | $115,768+11.3% | $67,986+89.5% |
| Participation rate | 27.8% | 63.0%-35.2pp | 74.4%-46.6pp | 57.2%-29.4pp |
| Annual return | 14.24% | 18.49%-4.3pp | 100.46%-86.2pp | 31.67%-17.4pp |
| Employer contribution / active EE | $878 | $2,046-57.1% | $2,940-70.1% | $2,019-56.5% |
| Participant deferral / active EE | $1,490 | $3,559-58.1% | $4,917-69.7% | $3,358-55.6% |
| Admin fee / account holder | $8,672 | $4,135+109.7% | $12,439-30.3% | $3,203+170.7% |