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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 | $62,046 | $77,814-20.3% | $158,223-60.8% | $86,983-28.7% |
| Participation rate | 20.0% | 68.4%-48.4pp | 79.2%-59.2pp | 69.5%-49.5pp |
| Annual return | 12.54% | 30.54%-18.0pp | 52.09%-39.5pp | 25.83%-13.3pp |
| Employer contribution / active EE | $538 | $2,592-79.2% | $4,109-86.9% | $2,584-79.2% |
| Participant deferral / active EE | $730 | $3,270-77.7% | $5,467-86.7% | $4,194-82.6% |
| Admin fee / account holder | $6,146 | $5,879+4.5% | $16,047-61.7% | $7,856-21.8% |