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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 | $102,039 | $127,387-19.9% | $115,038-11.3% | $125,389-18.6% |
| Participation rate | 64.3% | 84.2%-19.9pp | 81.4%-17.1pp | 83.2%-18.9pp |
| Annual return | -1.50% | 31.28%-32.8pp | 26.14%-27.6pp | 282.24%-283.7pp |
| Employer contribution / active EE | $11,835 | $5,166+129.1% | $4,608+156.8% | $4,866+143.2% |
| Participant deferral / active EE | $1,575 | $6,423-75.5% | $6,026-73.9% | $5,352-70.6% |
| Admin fee / account holder | $5,305 | $9,516-44.3% | $8,175-35.1% | $9,541-44.4% |