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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 | $34,090 | $87,166-60.9% | $76,735-55.6% | $137,256-75.2% |
| Participation rate | 66.7% | 74.4%-7.7pp | 69.5%-2.8pp | 80.0%-13.3pp |
| Annual return | 18.90% | 26.50%-7.6pp | 29.77%-10.9pp | 220.34%-201.4pp |
| Employer contribution / active EE | $4,435 | $2,904+52.7% | $2,454+80.7% | $4,156+6.7% |
| Participant deferral / active EE | $130 | $4,726-97.2% | $4,088-96.8% | $6,407-98.0% |
| Admin fee / account holder | $1,129 | $8,403-86.6% | $7,189-84.3% | $12,270-90.8% |