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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 | $169,706 | $139,948+21.3% | $121,663+39.5% | $154,746+9.7% |
| Participation rate | 28.6% | 78.0%-49.4pp | 74.5%-45.9pp | 80.7%-52.1pp |
| Annual return | 15.44% | 230.52%-215.1pp | 147.54%-132.1pp | 172.34%-156.9pp |
| Employer contribution / active EE | $878 | $3,521-75.1% | $3,020-70.9% | $4,379-79.9% |
| Participant deferral / active EE | $375 | $5,629-93.3% | $4,887-92.3% | $6,730-94.4% |
| Admin fee / account holder | $1,974 | $17,321-88.6% | $14,289-86.2% | $14,365-86.3% |