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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 | $19,958 | $148,623-86.6% | $135,974-85.3% | $139,466-85.7% |
| Participation rate | 47.1% | 83.9%-36.8pp | 81.9%-34.9pp | 80.3%-33.3pp |
| Annual return | 22.33% | 79.30%-57.0pp | 68.30%-46.0pp | 373.66%-351.3pp |
| Employer contribution / active EE | $1,512 | $5,246-71.2% | $4,859-68.9% | $4,754-68.2% |
| Participant deferral / active EE | $2,385 | $8,103-70.6% | $7,760-69.3% | $6,712-64.5% |
| Admin fee / account holder | $606 | $12,406-95.1% | $10,767-94.4% | $11,409-94.7% |