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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 | $85,153 | $160,028-46.8% | $147,080-42.1% | $145,884-41.6% |
| Participation rate | 47.4% | 84.0%-36.7pp | 82.2%-34.8pp | 80.3%-32.9pp |
| Annual return | 11.69% | 98.60%-86.9pp | 420.17%-408.5pp | 551.85%-540.2pp |
| Employer contribution / active EE | $2,100 | $5,286-60.3% | $4,933-57.4% | $4,662-55.0% |
| Participant deferral / active EE | $2,503 | $8,422-70.3% | $8,066-69.0% | $6,690-62.6% |
| Admin fee / account holder | $1,078 | $15,030-92.8% | $12,989-91.7% | $13,392-91.9% |