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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 | $32,324 | $77,817-58.5% | $123,553-73.8% | $64,173-49.6% |
| Participation rate | 35.9% | 74.7%-38.8pp | 82.3%-46.4pp | 69.6%-33.7pp |
| Annual return | -5.40% | 12.49%-17.9pp | 119.21%-124.6pp | 7.63%-13.0pp |
| Employer contribution / active EE | $840 | $3,014-72.1% | $4,628-81.8% | $2,381-64.7% |
| Participant deferral / active EE | $1,785 | $5,240-65.9% | $6,426-72.2% | $3,470-48.6% |
| Admin fee / account holder | $3,841 | $5,519-30.4% | $9,284-58.6% | $4,887-21.4% |