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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 | $20,136 | $82,678-75.6% | $125,391-83.9% | $68,490-70.6% |
| Participation rate | 39.0% | 75.1%-36.0pp | 82.4%-43.4pp | 67.9%-28.9pp |
| Annual return | -16.62% | -5.97%-10.7pp | 572.41%-589.0pp | -7.85%-8.8pp |
| Employer contribution / active EE | $1,585 | $3,382-53.1% | $4,816-67.1% | $2,597-39.0% |
| Participant deferral / active EE | $2,531 | $6,111-58.6% | $7,448-66.0% | $4,028-37.2% |
| Admin fee / account holder | $1,560 | $6,277-75.2% | $10,009-84.4% | $5,403-71.1% |