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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 | $10,526 | $101,618-89.6% | $93,063-88.7% | $137,256-92.3% |
| Participation rate | 23.5% | 74.9%-51.4pp | 72.1%-48.6pp | 80.0%-56.4pp |
| Annual return | 15.90% | 223.95%-208.0pp | 34.15%-18.3pp | 220.34%-204.4pp |
| Employer contribution / active EE | $384 | $2,707-85.8% | $2,476-84.5% | $4,156-90.8% |
| Participant deferral / active EE | $555 | $4,279-87.0% | $3,958-86.0% | $6,407-91.3% |
| Admin fee / account holder | $404 | $6,198-93.5% | $6,033-93.3% | $12,270-96.7% |