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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 | $41,805 | $65,367-36.0% | $92,915-55.0% | $72,976-42.7% |
| Participation rate | 16.5% | 68.3%-51.8pp | 76.0%-59.5pp | 69.5%-53.0pp |
| Annual return | 25.43% | 42.11%-16.7pp | 109.45%-84.0pp | 81.02%-55.6pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $507 | $3,128-83.8% | $4,238-88.0% | $3,608-85.9% |
| Admin fee / account holder | $5,778 | $4,251+35.9% | $5,796-0.3% | $5,124+12.8% |