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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 | $48,931 | $64,719-24.4% | $112,249-56.4% | $68,486-28.6% |
| Participation rate | 28.3% | 67.2%-38.9pp | 75.1%-46.8pp | 67.9%-39.6pp |
| Annual return | -18.29% | -11.40%-6.9pp | 27.48%-45.8pp | -7.85%-10.4pp |
| Employer contribution / active EE | $722 | $2,747-73.7% | $3,636-80.1% | $2,597-72.2% |
| Participant deferral / active EE | $991 | $3,565-72.2% | $4,729-79.0% | $4,028-75.4% |
| Admin fee / account holder | $357 | $5,232-93.2% | $6,412-94.4% | $5,404-93.4% |