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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 | $167,819 | $152,460+10.1% | $118,746+41.3% | $147,586+13.7% |
| Participation rate | 57.1% | 82.3%-25.1pp | 78.3%-21.1pp | 82.8%-25.7pp |
| Annual return | 19.03% | 17.41%+1.6pp | 24.54%-5.5pp | 578.59%-559.6pp |
| Employer contribution / active EE | $4,500 | $5,046-10.8% | $4,193+7.3% | $4,876-7.7% |
| Participant deferral / active EE | $371 | $6,212-94.0% | $5,332-93.0% | $5,439-93.2% |
| Admin fee / account holder | $1,102 | $16,953-93.5% | $10,720-89.7% | $10,886-89.9% |