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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 | $116,764 | $65,566+78.1% | $86,235+35.4% | $75,177+55.3% |
| Participation rate | 34.6% | 60.5%-25.9pp | 69.0%-34.3pp | 67.2%-32.6pp |
| Annual return | 19.54% | 46.07%-26.5pp | 1170.03%-1150.5pp | 160.75%-141.2pp |
| Employer contribution / active EE | $735 | $1,553-52.7% | $2,381-69.1% | $2,671-72.5% |
| Participant deferral / active EE | $1,060 | $3,023-64.9% | $3,987-73.4% | $4,126-74.3% |
| Admin fee / account holder | $2,900 | $5,470-47.0% | $6,856-57.7% | $5,651-48.7% |