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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 | $52,823 | $102,393-48.4% | $147,041-64.1% | $80,911-34.7% |
| Participation rate | 55.7% | 75.9%-20.1pp | 82.2%-26.4pp | 67.6%-11.9pp |
| Annual return | 12.07% | 134.95%-122.9pp | 419.21%-407.1pp | 35.63%-23.6pp |
| Employer contribution / active EE | $1,496 | $3,715-59.7% | $4,935-69.7% | $2,756-45.7% |
| Participant deferral / active EE | $2,140 | $6,647-67.8% | $8,071-73.5% | $4,297-50.2% |
| Admin fee / account holder | $1,482 | $7,943-81.3% | $13,006-88.6% | $6,935-78.6% |