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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 | $110,477 | $165,399-33.2% | $149,745-26.2% | $158,982-30.5% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 8.49% | 348.34%-339.8pp | 276.72%-268.2pp | 302.99%-294.5pp |
| Employer contribution / active EE | $1,000 | $5,105-80.4% | $4,646-78.5% | $4,763-79.0% |
| Participant deferral / active EE | $2,000 | $7,183-72.2% | $6,843-70.8% | $5,983-66.6% |
| Admin fee / account holder | $1,535 | $10,811-85.8% | $9,312-83.5% | $11,252-86.4% |