Filed December 6, 2024
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $90,457 | $57,590+57.1% | $86,233+4.9% | $82,448+9.7% |
| Participation rate | 13.8% | 57.9%-44.1pp | 69.0%-55.3pp | 68.1%-54.3pp |
| Annual return | 19.04% | 22.41%-3.4pp | 61.39%-42.3pp | 41.64%-22.6pp |
| Employer contribution / active EE | $197 | $1,655-88.1% | $2,504-92.1% | $2,551-92.3% |
| Participant deferral / active EE | $1,142 | $3,080-62.9% | $4,559-75.0% | $4,139-72.4% |
| Admin fee / account holder | $902 | $4,730-80.9% | $8,342-89.2% | $7,234-87.5% |