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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 | $175,590 | $209,847-16.3% | $189,520-7.4% | $167,518+4.8% |
| Participation rate | 66.7% | 88.7%-22.0pp | 87.8%-21.1pp | 82.1%-15.4pp |
| Annual return | 15.99% | 748.45%-732.5pp | 555.25%-539.3pp | 478.71%-462.7pp |
| Employer contribution / active EE | $1,762 | $6,913-74.5% | $6,161-71.4% | $4,838-63.6% |
| Participant deferral / active EE | $2,070 | $8,934-76.8% | $8,220-74.8% | $6,342-67.4% |
| Admin fee / account holder | $7,815 | $14,295-45.3% | $12,046-35.1% | $12,312-36.5% |