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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 | $35,837 | $102,429-65.0% | $147,096-75.6% | $80,925-55.7% |
| Participation rate | 32.3% | 75.9%-43.6pp | 82.2%-49.9pp | 67.7%-35.4pp |
| Annual return | 14.89% | 135.02%-120.1pp | 419.75%-404.9pp | 35.65%-20.8pp |
| Employer contribution / active EE | $974 | $3,716-73.8% | $4,936-80.3% | $2,756-64.7% |
| Participant deferral / active EE | $1,498 | $6,649-77.5% | $8,071-81.4% | $4,299-65.1% |
| Admin fee / account holder | $474 | $7,957-94.0% | $13,005-96.4% | $6,940-93.2% |