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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 | $121,633 | $89,259+36.3% | $107,187+13.5% | $82,637+47.2% |
| Participation rate | 55.6% | 67.9%-12.4pp | 75.0%-19.5pp | 68.1%-12.5pp |
| Annual return | 18.27% | 21.02%-2.8pp | 204.55%-186.3pp | 53.51%-35.2pp |
| Employer contribution / active EE | $4,353 | $3,080+41.3% | $3,782+15.1% | $2,552+70.6% |
| Participant deferral / active EE | $1,677 | $4,037-58.5% | $5,096-67.1% | $4,126-59.4% |
| Admin fee / account holder | $2,782 | $7,381-62.3% | $9,162-69.6% | $7,339-62.1% |