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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 | $126,357 | $89,370+41.4% | $141,197-10.5% | $72,976+73.1% |
| Participation rate | 45.1% | 75.1%-30.0pp | 82.5%-37.4pp | 69.5%-24.4pp |
| Annual return | 0.00% | 111.88%-111.9pp | 71.41%-71.4pp | 81.02%-81.0pp |
| Employer contribution / active EE | $645 | $3,115-79.3% | $4,736-86.4% | $2,440-73.6% |
| Participant deferral / active EE | $1,069 | $5,419-80.3% | $6,710-84.1% | $3,608-70.4% |
| Admin fee / account holder | $375 | $5,957-93.7% | $10,265-96.3% | $5,124-92.7% |