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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 | $129,153 | $97,648+32.3% | $121,663+6.2% | $87,485+47.6% |
| Participation rate | 62.5% | 70.5%-8.0pp | 74.5%-12.0pp | 68.9%-6.4pp |
| Annual return | 13.78% | 18.03%-4.2pp | 147.54%-133.8pp | 26.06%-12.3pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,708 | $3,923-56.5% | $4,887-65.1% | $4,274-60.0% |
| Admin fee / account holder | $42,362 | $11,100+281.6% | $14,289+196.5% | $7,775+444.9% |