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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 | $165,689 | $121,677+36.2% | $104,625+58.4% | $158,966+4.2% |
| Participation rate | 60.0% | 77.5%-17.5pp | 74.1%-14.1pp | 82.0%-22.0pp |
| Annual return | 6.13% | 465.58%-459.5pp | 340.60%-334.5pp | 302.95%-296.8pp |
| Employer contribution / active EE | $6,526 | $3,165+106.2% | $2,681+143.4% | $4,762+37.0% |
| Participant deferral / active EE | $168 | $4,175-96.0% | $3,738-95.5% | $5,983-97.2% |
| Admin fee / account holder | $144,432 | $7,777+1757.2% | $6,465+2134.1% | $11,250+1183.8% |