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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 | $68,061 | $55,930+21.7% | $76,089-10.6% | $80,925-15.9% |
| Participation rate | 12.0% | 62.1%-50.1pp | 69.1%-57.1pp | 67.7%-55.7pp |
| Annual return | 14.42% | 20.58%-6.2pp | 360.94%-346.5pp | 35.65%-21.2pp |
| Employer contribution / active EE | $484 | $1,866-74.1% | $2,690-82.0% | $2,756-82.4% |
| Participant deferral / active EE | $948 | $3,051-68.9% | $4,259-77.7% | $4,299-77.9% |
| Admin fee / account holder | $3,375 | $5,241-35.6% | $6,418-47.4% | $6,940-51.4% |