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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 | $215,312 | $165,381+30.2% | $149,730+43.8% | $158,966+35.4% |
| Participation rate | 20.8% | 84.6%-63.7pp | 82.5%-61.6pp | 82.0%-61.1pp |
| Annual return | 13.34% | 348.29%-335.0pp | 276.70%-263.4pp | 302.95%-289.6pp |
| Employer contribution / active EE | $1,873 | $5,104-63.3% | $4,645-59.7% | $4,762-60.7% |
| Participant deferral / active EE | $2,033 | $7,182-71.7% | $6,843-70.3% | $5,983-66.0% |
| Admin fee / account holder | $3,192 | $10,809-70.5% | $9,310-65.7% | $11,250-71.6% |