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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 | $31,369 | $84,499-62.9% | $125,391-75.0% | $66,949-53.1% |
| Participation rate | 30.6% | 76.4%-45.8pp | 82.4%-51.8pp | 69.8%-39.2pp |
| Annual return | -11.31% | -8.49%-2.8pp | 572.41%-583.7pp | 1.57%-12.9pp |
| Employer contribution / active EE | $1,008 | $3,554-71.6% | $4,816-79.1% | $2,545-60.4% |
| Participant deferral / active EE | $2,060 | $6,785-69.6% | $7,448-72.3% | $4,239-51.4% |
| Admin fee / account holder | $573 | $685-16.3% | $10,009-94.3% | $594-3.4% |