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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 | $67,508 | $175,259-61.5% | $149,723-54.9% | $139,487-51.6% |
| Participation rate | 56.3% | 83.4%-27.1pp | 78.8%-22.5pp | 80.3%-24.1pp |
| Annual return | 17.97% | 166.82%-148.9pp | 134.50%-116.5pp | 373.84%-355.9pp |
| Employer contribution / active EE | $2,348 | $5,478-57.1% | $4,821-51.3% | $4,755-50.6% |
| Participant deferral / active EE | $1,187 | $6,522-81.8% | $5,682-79.1% | $6,713-82.3% |
| Admin fee / account holder | $411 | $16,158-97.5% | $13,215-96.9% | $11,407-96.4% |