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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 | $214,544 | $101,798+110.8% | $165,071+30.0% | $80,935+165.1% |
| Participation rate | 41.7% | 71.8%-30.2pp | 78.6%-37.0pp | 67.7%-26.0pp |
| Annual return | 14.02% | 16.73%-2.7pp | 70.17%-56.1pp | 35.66%-21.6pp |
| Employer contribution / active EE | $966 | $2,954-67.3% | $4,347-77.8% | $2,757-65.0% |
| Participant deferral / active EE | $1,039 | $4,476-76.8% | $6,035-82.8% | $4,299-75.8% |
| Admin fee / account holder | $651 | $8,221-92.1% | $12,695-94.9% | $6,924-90.6% |