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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 | $87,603 | $81,457+7.5% | $103,378-15.3% | $80,911+8.3% |
| Participation rate | 62.5% | 66.8%-4.3pp | 74.5%-12.0pp | 67.6%-5.1pp |
| Annual return | 12.13% | 25.58%-13.4pp | 24.91%-12.8pp | 35.63%-23.5pp |
| Employer contribution / active EE | $19,221 | $3,107+518.6% | $3,870+396.6% | $2,756+597.5% |
| Participant deferral / active EE | $1,556 | $3,871-59.8% | $5,058-69.2% | $4,297-63.8% |
| Admin fee / account holder | $50,016 | $6,717+644.7% | $8,401+495.4% | $6,935+621.2% |