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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 | $89,170 | $159,934-44.2% | $147,005-39.3% | $145,959-38.9% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 20.18% | 98.24%-78.1pp | 418.76%-398.6pp | 561.95%-541.8pp |
| Employer contribution / active EE | $2,131 | $5,287-59.7% | $4,934-56.8% | $4,661-54.3% |
| Participant deferral / active EE | $2,577 | $8,427-69.4% | $8,070-68.1% | $6,689-61.5% |
| Admin fee / account holder | $928 | $15,053-93.8% | $13,006-92.9% | $13,398-93.1% |