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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 | $205,622 | $183,592+12.0% | $155,567+32.2% | $145,959+40.9% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 91.99% | 61.24%+30.8pp | 64.74%+27.3pp | 561.95%-470.0pp |
| Employer contribution / active EE | $14,872 | $5,315+179.8% | $4,674+218.2% | $4,661+219.1% |
| Participant deferral / active EE | $0 | $6,464-100.0% | $5,628-100.0% | $6,689-100.0% |
| Admin fee / account holder | $21,833 | $19,318+13.0% | $15,916+37.2% | $13,398+63.0% |