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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 | $54,688 | $208,088-73.7% | $186,193-70.6% | $154,746-64.7% |
| Participation rate | 60.0% | 80.0%-20.0pp | 77.1%-17.1pp | 80.7%-20.7pp |
| Annual return | 11.82% | 89.97%-78.2pp | 78.03%-66.2pp | 172.34%-160.5pp |
| Employer contribution / active EE | $1,286 | $4,340-70.4% | $3,918-67.2% | $4,379-70.6% |
| Participant deferral / active EE | $1,286 | $7,078-81.8% | $6,513-80.3% | $6,730-80.9% |
| Admin fee / account holder | $885 | $11,698-92.4% | $11,058-92.0% | $14,365-93.8% |