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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 | $78,562+38.7% | $105,608+3.1% | $74,429+46.3% |
| Participation rate | 29.7% | 72.8%-43.0pp | 75.3%-45.5pp | 67.2%-37.5pp |
| Annual return | 13.48% | 15.94%-2.5pp | 116.50%-103.0pp | 1368.38%-1354.9pp |
| Employer contribution / active EE | $949 | $2,521-62.4% | $3,167-70.0% | $2,625-63.9% |
| Participant deferral / active EE | $1,597 | $4,321-63.0% | $5,010-68.1% | $4,348-63.3% |
| Admin fee / account holder | $4,780 | $2,217+115.6% | $11,028-56.7% | $1,944+145.8% |