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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 | $67,755 | $50,947+33.0% | $74,551-9.1% | $64,173+5.6% |
| Participation rate | 40.5% | 61.1%-20.5pp | 69.1%-28.6pp | 69.6%-29.0pp |
| Annual return | 7.50% | -1.85%+9.4pp | 32.53%-25.0pp | 7.63%-0.1pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $898 | $2,302-61.0% | $3,108-71.1% | $3,470-74.1% |
| Admin fee / account holder | $134,892 | $4,221+3095.7% | $5,059+2566.3% | $4,887+2660.0% |