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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 | $107,273 | $105,160+2.0% | $94,679+13.3% | $139,456-23.1% |
| Participation rate | 66.7% | 82.4%-15.7pp | 80.8%-14.2pp | 80.3%-13.7pp |
| Annual return | 20.88% | 38.04%-17.2pp | 156.75%-135.9pp | 373.45%-352.6pp |
| Employer contribution / active EE | $14,307 | $4,107+248.4% | $3,673+289.5% | $4,753+201.0% |
| Participant deferral / active EE | $1,333 | $7,599-82.5% | $7,417-82.0% | $6,711-80.1% |
| Admin fee / account holder | $822 | $8,988-90.9% | $7,233-88.6% | $11,407-92.8% |