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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 | $16,615 | $65,092-74.5% | $143,799-88.4% | $66,938-75.2% |
| Participation rate | 58.5% | 65.2%-6.7pp | 80.3%-21.8pp | 69.8%-11.3pp |
| Annual return | -13.99% | -11.14%-2.9pp | -0.04%-13.9pp | 1.58%-15.6pp |
| Employer contribution / active EE | $535 | $2,362-77.4% | $4,952-89.2% | $2,545-79.0% |
| Participant deferral / active EE | $914 | $2,920-68.7% | $5,638-83.8% | $4,238-78.4% |
| Admin fee / account holder | $845 | $502+68.3% | $14,677-94.2% | $594+42.4% |