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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 | $50,284 | $117,895-57.3% | $102,460-50.9% | $145,897-65.5% |
| Participation rate | 65.2% | 78.6%-13.4pp | 76.5%-11.3pp | 80.3%-15.1pp |
| Annual return | 9.53% | 31.92%-22.4pp | 29.47%-19.9pp | 552.29%-542.8pp |
| Employer contribution / active EE | $0 | $3,619-100.0% | $3,025-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $729 | $5,736-87.3% | $5,056-85.6% | $6,689-89.1% |
| Admin fee / account holder | $2,512 | $13,353-81.2% | $9,460-73.4% | $13,390-81.2% |