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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 | $39,969 | $87,132-54.1% | $105,624-62.2% | $80,959-50.6% |
| Participation rate | 61.5% | 70.4%-8.9pp | 75.3%-13.7pp | 67.7%-6.1pp |
| Annual return | 12.98% | 17.03%-4.0pp | 116.20%-103.2pp | 35.67%-22.7pp |
| Employer contribution / active EE | $997 | $2,397-58.4% | $3,168-68.5% | $2,757-63.8% |
| Participant deferral / active EE | $1,202 | $3,985-69.9% | $5,013-76.0% | $4,300-72.1% |
| Admin fee / account holder | $2,644 | $8,449-68.7% | $10,961-75.9% | $6,925-61.8% |