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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 | $147,077 | $98,776+48.9% | $149,745-1.8% | $79,856+84.2% |
| Participation rate | 52.1% | 75.8%-23.7pp | 82.5%-30.4pp | 69.6%-17.6pp |
| Annual return | 22.19% | 27.38%-5.2pp | 276.72%-254.5pp | 31.71%-9.5pp |
| Employer contribution / active EE | $1,228 | $3,217-61.8% | $4,646-73.6% | $2,471-50.3% |
| Participant deferral / active EE | $2,092 | $5,681-63.2% | $6,843-69.4% | $3,741-44.1% |
| Admin fee / account holder | $2,351 | $6,053-61.2% | $9,312-74.8% | $5,306-55.7% |