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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 | $48,202 | $71,878-32.9% | $86,698-44.4% | $68,486-29.6% |
| Participation rate | 17.1% | 72.2%-55.2pp | 76.6%-59.5pp | 67.9%-50.8pp |
| Annual return | -12.89% | 3.53%-16.4pp | 35.95%-48.8pp | -7.85%-5.0pp |
| Employer contribution / active EE | $800 | $2,173-63.2% | $2,837-71.8% | $2,597-69.2% |
| Participant deferral / active EE | $961 | $3,779-74.6% | $4,656-79.4% | $4,028-76.2% |
| Admin fee / account holder | $3,430 | $6,113-43.9% | $7,493-54.2% | $5,404-36.5% |