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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 | $35,649 | $80,812-55.9% | $160,784-77.8% | $82,448-56.8% |
| Participation rate | 36.8% | 66.2%-29.4pp | 77.0%-40.1pp | 68.1%-31.2pp |
| Annual return | 16.74% | 100.59%-83.8pp | 1803.92%-1787.2pp | 41.64%-24.9pp |
| Employer contribution / active EE | $761 | $2,174-65.0% | $3,733-79.6% | $2,551-70.2% |
| Participant deferral / active EE | $1,119 | $4,335-74.2% | $6,293-82.2% | $4,139-73.0% |
| Admin fee / account holder | $2,645 | $7,695-65.6% | $9,717-72.8% | $7,234-63.4% |