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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 | $58,869 | $199,109-70.4% | $173,730-66.1% | $154,746-62.0% |
| Participation rate | 60.9% | 82.8%-21.9pp | 79.6%-18.7pp | 80.7%-19.8pp |
| Annual return | 13.77% | 20.02%-6.3pp | 19.96%-6.2pp | 172.34%-158.6pp |
| Employer contribution / active EE | $1,287 | $5,311-75.8% | $4,577-71.9% | $4,379-70.6% |
| Participant deferral / active EE | $1,436 | $7,113-79.8% | $6,326-77.3% | $6,730-78.7% |
| Admin fee / account holder | $1,137 | $20,916-94.6% | $17,523-93.5% | $14,365-92.1% |