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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 | $118,149 | $97,125+21.6% | $86,233+37.0% | $137,256-13.9% |
| Participation rate | 66.7% | 74.2%-7.5pp | 69.0%-2.4pp | 80.0%-13.3pp |
| Annual return | 11.44% | 74.19%-62.7pp | 61.39%-49.9pp | 220.34%-208.9pp |
| Employer contribution / active EE | $25,000 | $2,841+779.9% | $2,504+898.3% | $4,156+501.5% |
| Participant deferral / active EE | $0 | $5,180-100.0% | $4,559-100.0% | $6,407-100.0% |
| Admin fee / account holder | $420 | $9,725-95.7% | $8,342-95.0% | $12,270-96.6% |