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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 | $107,180 | $110,379-2.9% | $102,412+4.7% | $145,884-26.5% |
| Participation rate | 62.5% | 77.9%-15.4pp | 74.5%-12.0pp | 80.3%-17.8pp |
| Annual return | 10.18% | 24.84%-14.7pp | 24.94%-14.8pp | 551.85%-541.7pp |
| Employer contribution / active EE | $1,564 | $4,216-62.9% | $3,870-59.6% | $4,662-66.5% |
| Participant deferral / active EE | $200 | $5,622-96.4% | $5,060-96.0% | $6,690-97.0% |
| Admin fee / account holder | $37,186 | $9,745+281.6% | $8,388+343.3% | $13,392+177.7% |