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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 | $82,831 | $115,225-28.1% | $100,712-17.8% | $138,895-40.4% |
| Participation rate | 50.0% | 74.3%-24.3pp | 69.3%-19.3pp | 79.9%-29.9pp |
| Annual return | 12.10% | 40.35%-28.3pp | 33.27%-21.2pp | 145.39%-133.3pp |
| Employer contribution / active EE | $616 | $2,771-77.8% | $2,313-73.4% | $4,194-85.3% |
| Participant deferral / active EE | $823 | $4,699-82.5% | $4,085-79.8% | $6,396-87.1% |
| Admin fee / account holder | $39,868 | $10,844+267.7% | $9,256+330.7% | $12,562+217.4% |