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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 | $194,970 | $88,672+119.9% | $105,223+85.3% | $82,448+136.5% |
| Participation rate | 25.0% | 67.9%-42.9pp | 75.0%-50.0pp | 68.1%-43.1pp |
| Annual return | 15.21% | 30.86%-15.6pp | 180.65%-165.4pp | 41.64%-26.4pp |
| Employer contribution / active EE | $834 | $3,048-72.6% | $3,689-77.4% | $2,551-67.3% |
| Participant deferral / active EE | $1,321 | $4,036-67.3% | $5,072-73.9% | $4,139-68.1% |
| Admin fee / account holder | $4,871 | $7,146-31.8% | $8,859-45.0% | $7,234-32.7% |