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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 | $181,098 | $129,737+39.6% | $119,126+52.0% | $154,746+17.0% |
| Participation rate | 57.1% | 78.9%-21.7pp | 75.8%-18.6pp | 80.7%-23.6pp |
| Annual return | 9.84% | 379.08%-369.2pp | 282.11%-272.3pp | 172.34%-162.5pp |
| Employer contribution / active EE | $0 | $4,375-100.0% | $4,034-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,029 | $5,842-82.4% | $5,318-80.7% | $6,730-84.7% |
| Admin fee / account holder | $28,753 | $11,961+140.4% | $10,693+168.9% | $14,365+100.2% |