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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 | $22,244 | $62,132-64.2% | $185,861-88.0% | $73,497-69.7% |
| Participation rate | 35.0% | 67.8%-32.8pp | 78.0%-43.0pp | 70.7%-35.7pp |
| Annual return | 83.47% | 20.44%+63.0pp | 35.96%+47.5pp | 28.51%+55.0pp |
| Employer contribution / active EE | $775 | $1,681-53.9% | $4,088-81.0% | $2,270-65.9% |
| Participant deferral / active EE | $1,171 | $3,711-68.4% | $5,634-79.2% | $3,740-68.7% |
| Admin fee / account holder | $858 | $419+105.0% | $9,503-91.0% | $513+67.3% |