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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 | $16,251 | $174,379-90.7% | $152,093-89.3% | $138,895-88.3% |
| Participation rate | 60.0% | 81.6%-21.6pp | 77.8%-17.8pp | 79.9%-19.9pp |
| Annual return | 22.13% | 74.86%-52.7pp | 66.36%-44.2pp | 145.39%-123.3pp |
| Employer contribution / active EE | $1,291 | $4,652-72.3% | $4,175-69.1% | $4,194-69.2% |
| Participant deferral / active EE | $1,333 | $6,159-78.3% | $5,451-75.5% | $6,396-79.2% |
| Admin fee / account holder | $1,572 | $16,880-90.7% | $14,497-89.2% | $12,562-87.5% |