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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 | $113,286 | $79,223+43.0% | $102,460+10.6% | $74,478+52.1% |
| Participation rate | 20.7% | 74.8%-54.1pp | 76.5%-55.8pp | 67.2%-46.5pp |
| Annual return | 13.77% | 54.98%-41.2pp | 29.47%-15.7pp | 1370.56%-1356.8pp |
| Employer contribution / active EE | $922 | $2,363-61.0% | $3,025-69.5% | $2,626-64.9% |
| Participant deferral / active EE | $1,436 | $4,417-67.5% | $5,056-71.6% | $4,350-67.0% |
| Admin fee / account holder | $10,246 | $2,003+411.5% | $9,460+8.3% | $1,946+426.5% |