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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 | $146,002 | $59,467+145.5% | $93,727+55.8% | $74,478+96.0% |
| Participation rate | 20.2% | 59.6%-39.4pp | 68.7%-48.5pp | 67.2%-47.0pp |
| Annual return | 12.89% | 82.14%-69.2pp | 133.83%-120.9pp | 1370.56%-1357.7pp |
| Employer contribution / active EE | $828 | $1,267-34.6% | $2,421-65.8% | $2,626-68.5% |
| Participant deferral / active EE | $1,043 | $3,052-65.8% | $4,417-76.4% | $4,350-76.0% |
| Admin fee / account holder | $7,335 | $3,028+142.2% | $8,292-11.5% | $1,946+277.0% |