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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 | $176,915 | $103,393+71.1% | $87,103+103.1% | $152,909+15.7% |
| Participation rate | 55.6% | 79.4%-23.8pp | 76.9%-21.3pp | 82.5%-26.9pp |
| Annual return | 22.41% | 28.10%-5.7pp | 28.19%-5.8pp | 345.46%-323.1pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,139 | $4,778-76.2% | $4,049-71.9% | $5,851-80.5% |
| Admin fee / account holder | $1,754 | $12,195-85.6% | $7,491-76.6% | $11,601-84.9% |