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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 | $51,639 | $100,203-48.5% | $85,240-39.4% | $145,897-64.6% |
| Participation rate | 66.7% | 74.1%-7.4pp | 67.5%-0.9pp | 80.3%-13.6pp |
| Annual return | 13.83% | 84.28%-70.4pp | 66.75%-52.9pp | 552.29%-538.5pp |
| Employer contribution / active EE | $1,124 | $3,242-65.3% | $2,735-58.9% | $4,663-75.9% |
| Participant deferral / active EE | $768 | $5,299-85.5% | $4,527-83.0% | $6,689-88.5% |
| Admin fee / account holder | $20,148 | $7,265+177.3% | $6,165+226.8% | $13,390+50.5% |