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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 | $67,938 | $54,213+25.3% | $93,696-27.5% | $77,736-12.6% |
| Participation rate | 15.1% | 64.0%-48.9pp | 68.7%-53.6pp | 70.6%-55.5pp |
| Annual return | 12.28% | 30.55%-18.3pp | 133.74%-121.5pp | 31.26%-19.0pp |
| Employer contribution / active EE | $339 | $1,168-71.0% | $2,422-86.0% | $2,728-87.6% |
| Participant deferral / active EE | $744 | $3,145-76.4% | $4,417-83.2% | $4,651-84.0% |
| Admin fee / account holder | $2,160 | $575+275.7% | $8,287-73.9% | $433+398.4% |