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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 | $89,099 | $48,364+84.2% | $71,796+24.1% | $62,881+41.7% |
| Participation rate | 4.9% | 60.6%-55.7pp | 69.1%-64.2pp | 69.3%-64.4pp |
| Annual return | 8.88% | 13.16%-4.3pp | 78.04%-69.2pp | 20.14%-11.3pp |
| Employer contribution / active EE | $225 | $1,042-78.4% | $1,924-88.3% | $2,281-90.1% |
| Participant deferral / active EE | $664 | $2,091-68.2% | $2,794-76.2% | $3,203-79.3% |
| Admin fee / account holder | $1,067 | $3,771-71.7% | $4,815-77.9% | $4,296-75.2% |