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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 | $173,776 | $172,111+1.0% | $150,298+15.6% | $137,256+26.6% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 12.23% | 69.37%-57.1pp | 62.79%-50.6pp | 220.34%-208.1pp |
| Employer contribution / active EE | $1,503 | $4,636-67.6% | $4,154-63.8% | $4,156-63.8% |
| Participant deferral / active EE | $1,617 | $6,166-73.8% | $5,453-70.4% | $6,407-74.8% |
| Admin fee / account holder | $22,169 | $16,471+34.6% | $14,116+57.1% | $12,270+80.7% |