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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 | $76,551 | $98,776-22.5% | $149,745-48.9% | $79,856-4.1% |
| Participation rate | 16.1% | 75.8%-59.7pp | 82.5%-66.4pp | 69.6%-53.6pp |
| Annual return | 25.73% | 27.38%-1.7pp | 276.72%-251.0pp | 31.71%-6.0pp |
| Employer contribution / active EE | $833 | $3,217-74.1% | $4,646-82.1% | $2,471-66.3% |
| Participant deferral / active EE | $1,275 | $5,681-77.6% | $6,843-81.4% | $3,741-65.9% |
| Admin fee / account holder | $3,285 | $6,053-45.7% | $9,312-64.7% | $5,306-38.1% |