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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 | $101,752+110.8% | $164,928+30.1% | $80,911+165.2% |
| Participation rate | 41.7% | 71.8%-30.2pp | 78.6%-37.0pp | 67.6%-26.0pp |
| Annual return | 14.02% | 16.73%-2.7pp | 70.08%-56.1pp | 35.63%-21.6pp |
| Employer contribution / active EE | $966 | $2,953-67.3% | $4,343-77.8% | $2,756-65.0% |
| Participant deferral / active EE | $1,039 | $4,477-76.8% | $6,034-82.8% | $4,297-75.8% |
| Admin fee / account holder | $651 | $8,218-92.1% | $12,684-94.9% | $6,935-90.6% |