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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 | $80,673 | $125,184-35.6% | $105,607-23.6% | $145,884-44.7% |
| Participation rate | 40.0% | 77.6%-37.6pp | 75.3%-35.3pp | 80.3%-40.3pp |
| Annual return | 9.43% | 225.00%-215.6pp | 116.11%-106.7pp | 551.85%-542.4pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,118 | $5,714-80.4% | $5,011-77.7% | $6,690-83.3% |
| Admin fee / account holder | $640 | $17,133-96.3% | $10,958-94.2% | $13,392-95.2% |