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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 | $31,734 | $108,942-70.9% | $100,415-68.4% | $145,897-78.2% |
| Participation rate | 58.3% | 83.0%-24.6pp | 81.5%-23.2pp | 80.3%-22.0pp |
| Annual return | 22.69% | 58.27%-35.6pp | 49.47%-26.8pp | 552.29%-529.6pp |
| Employer contribution / active EE | $1,104 | $4,422-75.0% | $3,943-72.0% | $4,663-76.3% |
| Participant deferral / active EE | $2,245 | $8,461-73.5% | $8,091-72.3% | $6,689-66.4% |
| Admin fee / account holder | $5,396 | $9,702-44.4% | $7,906-31.7% | $13,390-59.7% |