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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 | $42,310 | $72,404-41.6% | $110,243-61.6% | $64,173-34.1% |
| Participation rate | 65.8% | 73.3%-7.5pp | 79.8%-14.0pp | 69.6%-3.8pp |
| Annual return | -3.30% | -6.29%+3.0pp | 314.76%-318.1pp | 7.63%-10.9pp |
| Employer contribution / active EE | $9,981 | $2,282+337.5% | $3,827+160.8% | $2,381+319.2% |
| Participant deferral / active EE | $524 | $3,469-84.9% | $4,672-88.8% | $3,470-84.9% |
| Admin fee / account holder | $78,314 | $5,664+1282.6% | $8,548+816.2% | $4,887+1502.4% |