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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 | $36,390 | $101,591-64.2% | $147,096-75.3% | $74,429-51.1% |
| Participation rate | 39.6% | 75.5%-36.0pp | 82.2%-42.6pp | 67.2%-27.7pp |
| Annual return | 14.10% | 8746.45%-8732.3pp | 419.75%-405.6pp | 1368.38%-1354.3pp |
| Employer contribution / active EE | $1,068 | $3,813-72.0% | $4,936-78.4% | $2,625-59.3% |
| Participant deferral / active EE | $2,264 | $7,302-69.0% | $8,071-72.0% | $4,348-47.9% |
| Admin fee / account holder | $2,716 | $1,750+55.2% | $13,005-79.1% | $1,944+39.7% |