Filed December 21, 2024
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $123,683 | $88,186+40.3% | $165,071-25.1% | $74,459+66.1% |
| Participation rate | 57.6% | 73.1%-15.5pp | 78.6%-21.0pp | 67.2%-9.6pp |
| Annual return | 11.65% | 17.13%-5.5pp | 70.17%-58.5pp | 1369.70%-1358.1pp |
| Employer contribution / active EE | $675 | $2,600-74.0% | $4,347-84.5% | $2,626-74.3% |
| Participant deferral / active EE | $4,576 | $4,505+1.6% | $6,035-24.2% | $4,350+5.2% |
| Admin fee / account holder | $4,138 | $2,234+85.2% | $12,695-67.4% | $1,945+112.8% |