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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 | $22,908 | $111,814-79.5% | $103,374-77.8% | $145,959-84.3% |
| Participation rate | 28.6% | 77.9%-49.4pp | 74.5%-45.9pp | 80.3%-51.7pp |
| Annual return | 9.22% | 24.77%-15.6pp | 24.89%-15.7pp | 561.95%-552.7pp |
| Employer contribution / active EE | $1,159 | $4,214-72.5% | $3,869-70.1% | $4,661-75.1% |
| Participant deferral / active EE | $1,410 | $5,618-74.9% | $5,058-72.1% | $6,689-78.9% |
| Admin fee / account holder | $24,086 | $9,754+146.9% | $8,394+186.9% | $13,398+79.8% |