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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 | $15,443 | $77,920-80.2% | $149,723-89.7% | $75,177-79.5% |
| Participation rate | 66.0% | 65.6%+0.4pp | 78.8%-12.8pp | 67.2%-1.2pp |
| Annual return | 14.66% | 31.72%-17.1pp | 134.50%-119.8pp | 160.75%-146.1pp |
| Employer contribution / active EE | $1,698 | $3,138-45.9% | $4,821-64.8% | $2,671-36.4% |
| Participant deferral / active EE | $269 | $3,411-92.1% | $5,682-95.3% | $4,126-93.5% |
| Admin fee / account holder | $4,179 | $5,951-29.8% | $13,215-68.4% | $5,651-26.0% |