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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 | $18,371 | $111,535-83.5% | $105,223-82.5% | $137,256-86.6% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 26.37% | 237.85%-211.5pp | 180.65%-154.3pp | 220.34%-194.0pp |
| Employer contribution / active EE | $8,394 | $3,939+113.1% | $3,689+127.6% | $4,156+102.0% |
| Participant deferral / active EE | $1,298 | $5,500-76.4% | $5,072-74.4% | $6,407-79.7% |
| Admin fee / account holder | $753 | $9,721-92.3% | $8,859-91.5% | $12,270-93.9% |