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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 | $70,588 | $160,040-55.9% | $147,096-52.0% | $145,877-51.6% |
| Participation rate | 30.0% | 84.0%-54.0pp | 82.2%-52.2pp | 80.3%-50.3pp |
| Annual return | 14.90% | 98.49%-83.6pp | 419.75%-404.8pp | 551.28%-536.4pp |
| Employer contribution / active EE | $1,166 | $5,289-78.0% | $4,936-76.4% | $4,663-75.0% |
| Participant deferral / active EE | $1,923 | $8,429-77.2% | $8,071-76.2% | $6,691-71.3% |
| Admin fee / account holder | $4,363 | $15,050-71.0% | $13,005-66.4% | $13,402-67.4% |