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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 | $119,464 | $154,193-22.5% | $130,045-8.1% | $139,466-14.3% |
| Participation rate | 40.0% | 82.0%-42.0pp | 78.5%-38.5pp | 80.3%-40.3pp |
| Annual return | 17.47% | 32.51%-15.0pp | -137.30%+154.8pp | 373.66%-356.2pp |
| Employer contribution / active EE | $0 | $5,292-100.0% | $4,321-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $303 | $6,709-95.5% | $5,820-94.8% | $6,712-95.5% |
| Admin fee / account holder | $696 | $13,989-95.0% | $10,600-93.4% | $11,409-93.9% |