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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 | $70,590 | $160,028-55.9% | $147,080-52.0% | $145,884-51.6% |
| Participation rate | 33.3% | 84.0%-50.7pp | 82.2%-48.8pp | 80.3%-47.0pp |
| Annual return | 10.24% | 98.60%-88.4pp | 420.17%-409.9pp | 551.85%-541.6pp |
| Employer contribution / active EE | $1,366 | $5,286-74.2% | $4,933-72.3% | $4,662-70.7% |
| Participant deferral / active EE | $2,357 | $8,422-72.0% | $8,066-70.8% | $6,690-64.8% |
| Admin fee / account holder | $33,502 | $15,030+122.9% | $12,989+157.9% | $13,392+150.2% |