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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 | $108,926 | $78,607+38.6% | $105,624+3.1% | $74,478+46.3% |
| Participation rate | 29.7% | 72.8%-43.1pp | 75.3%-45.5pp | 67.2%-37.5pp |
| Annual return | 13.48% | 15.96%-2.5pp | 116.20%-102.7pp | 1370.56%-1357.1pp |
| Employer contribution / active EE | $949 | $2,523-62.4% | $3,168-70.1% | $2,626-63.9% |
| Participant deferral / active EE | $1,597 | $4,325-63.1% | $5,013-68.1% | $4,350-63.3% |
| Admin fee / account holder | $4,780 | $2,220+115.3% | $10,961-56.4% | $1,946+145.6% |