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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 | $36,352 | $100,041-63.7% | $149,718-75.7% | $70,131-48.2% |
| Participation rate | 58.8% | 83.6%-24.8pp | 87.1%-28.2pp | 69.5%-10.7pp |
| Annual return | 29.28% | 27.43%+1.8pp | 1501.70%-1472.4pp | 73.14%-43.9pp |
| Employer contribution / active EE | $1,158 | $3,662-68.4% | $5,444-78.7% | $2,342-50.6% |
| Participant deferral / active EE | $2,237 | $4,983-55.1% | $6,568-65.9% | $3,332-32.9% |
| Admin fee / account holder | $1,743 | $8,286-79.0% | $11,283-84.6% | $4,645-62.5% |