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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 | $134,828 | $91,559+47.3% | $133,971+0.6% | $79,852+68.8% |
| Participation rate | 44.4% | 73.3%-28.9pp | 79.8%-35.4pp | 69.6%-25.2pp |
| Annual return | 11.60% | 61.85%-50.3pp | 45.09%-33.5pp | 31.72%-20.1pp |
| Employer contribution / active EE | $872 | $2,384-63.4% | $3,919-77.8% | $2,471-64.7% |
| Participant deferral / active EE | $1,645 | $3,734-55.9% | $5,047-67.4% | $3,740-56.0% |
| Admin fee / account holder | $1,313 | $6,321-79.2% | $8,929-85.3% | $5,306-75.3% |