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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 | $18,759 | $64,729-71.0% | $112,263-83.3% | $68,490-72.6% |
| Participation rate | 62.5% | 67.2%-4.7pp | 75.1%-12.6pp | 67.9%-5.4pp |
| Annual return | -17.74% | -11.40%-6.3pp | 27.49%-45.2pp | -7.85%-9.9pp |
| Employer contribution / active EE | $2,038 | $2,746-25.8% | $3,636-43.9% | $2,597-21.5% |
| Participant deferral / active EE | $0 | $3,566-100.0% | $4,729-100.0% | $4,028-100.0% |
| Admin fee / account holder | $905 | $5,222-82.7% | $6,410-85.9% | $5,403-83.2% |