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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 | $20,704 | $25,014-17.2% | $69,632-70.3% | $80,959-74.4% |
| Participation rate | 30.3% | 64.2%-33.9pp | 66.4%-36.1pp | 67.7%-37.4pp |
| Annual return | 13.29% | 19.08%-5.8pp | 101.32%-88.0pp | 35.67%-22.4pp |
| Employer contribution / active EE | $469 | $991-52.6% | $1,708-72.5% | $2,757-83.0% |
| Participant deferral / active EE | $698 | $1,840-62.0% | $2,889-75.8% | $4,300-83.8% |
| Admin fee / account holder | $10,506 | $2,491+321.8% | $4,695+123.8% | $6,925+51.7% |