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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 | $28,290 | $59,467-52.4% | $93,727-69.8% | $74,478-62.0% |
| Participation rate | 12.0% | 59.6%-47.6pp | 68.7%-56.7pp | 67.2%-55.2pp |
| Annual return | 15.54% | 82.14%-66.6pp | 133.83%-118.3pp | 1370.56%-1355.0pp |
| Employer contribution / active EE | $424 | $1,267-66.5% | $2,421-82.5% | $2,626-83.9% |
| Participant deferral / active EE | $594 | $3,052-80.5% | $4,417-86.6% | $4,350-86.3% |
| Admin fee / account holder | $838 | $3,028-72.3% | $8,292-89.9% | $1,946-56.9% |