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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 | $68,773 | $93,617-26.5% | $135,982-49.4% | $75,177-8.5% |
| Participation rate | 29.0% | 75.2%-46.2pp | 81.9%-52.9pp | 67.2%-38.2pp |
| Annual return | 18.61% | 30.89%-12.3pp | 68.32%-49.7pp | 160.75%-142.1pp |
| Employer contribution / active EE | $1,149 | $3,538-67.5% | $4,859-76.3% | $2,671-57.0% |
| Participant deferral / active EE | $2,142 | $6,406-66.6% | $7,760-72.4% | $4,126-48.1% |
| Admin fee / account holder | $508 | $6,980-92.7% | $10,767-95.3% | $5,651-91.0% |