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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 | $203,772 | $196,972+3.5% | $182,262+11.8% | $198,609+2.6% |
| Participation rate | 56.3% | 85.7%-29.4pp | 84.2%-28.0pp | 82.4%-26.1pp |
| Annual return | 17.02% | 158.27%-141.3pp | 140.60%-123.6pp | 202.70%-185.7pp |
| Employer contribution / active EE | $1,914 | $5,364-64.3% | $5,046-62.1% | $5,055-62.1% |
| Participant deferral / active EE | $3,394 | $8,643-60.7% | $8,276-59.0% | $6,977-51.4% |
| Admin fee / account holder | $2,041 | $18,429-88.9% | $16,712-87.8% | $19,030-89.3% |