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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 | $152,794 | $174,379-12.4% | $152,093+0.5% | $138,895+10.0% |
| Participation rate | 63.6% | 81.6%-18.0pp | 77.8%-14.1pp | 79.9%-16.3pp |
| Annual return | 14.12% | 74.86%-60.7pp | 66.36%-52.2pp | 145.39%-131.3pp |
| Employer contribution / active EE | $948 | $4,652-79.6% | $4,175-77.3% | $4,194-77.4% |
| Participant deferral / active EE | $965 | $6,159-84.3% | $5,451-82.3% | $6,396-84.9% |
| Admin fee / account holder | $7,583 | $16,880-55.1% | $14,497-47.7% | $12,562-39.6% |