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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 | $25,296 | $45,022-43.8% | $85,126-70.3% | $77,714-67.4% |
| Participation rate | 3.4% | 48.7%-45.3pp | 67.5%-64.2pp | 70.6%-67.2pp |
| Annual return | 15.58% | 79.38%-63.8pp | 66.63%-51.1pp | 31.26%-15.7pp |
| Employer contribution / active EE | $227 | $1,610-85.9% | $2,731-91.7% | $2,727-91.7% |
| Participant deferral / active EE | $31 | $2,811-98.9% | $4,523-99.3% | $4,649-99.3% |
| Admin fee / account holder | $2,952 | $913+223.3% | $6,160-52.1% | $433+581.4% |