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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 | $171,896 | $101,499+69.4% | $147,005+16.9% | $74,546+130.6% |
| Participation rate | 60.6% | 75.5%-15.0pp | 82.2%-21.6pp | 67.2%-6.6pp |
| Annual return | 21.86% | 8732.34%-8710.5pp | 418.76%-396.9pp | 1366.03%-1344.2pp |
| Employer contribution / active EE | $9,353 | $3,811+145.4% | $4,934+89.6% | $2,624+256.4% |
| Participant deferral / active EE | $1,235 | $7,304-83.1% | $8,070-84.7% | $4,347-71.6% |
| Admin fee / account holder | $8,424 | $1,748+381.9% | $13,006-35.2% | $1,944+333.4% |