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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 | $105,376 | $81,870+28.7% | $119,622-11.9% | $68,486+53.9% |
| Participation rate | 50.0% | 71.9%-21.9pp | 79.3%-29.3pp | 67.9%-17.9pp |
| Annual return | -7.78% | -23.82%+16.0pp | -14.98%+7.2pp | -7.85%+0.1pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,627 | $4,148-60.8% | $5,601-70.9% | $4,028-59.6% |
| Admin fee / account holder | $4,044 | $6,583-38.6% | $10,328-60.8% | $5,404-25.2% |