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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 | $69,075 | $45,872+50.6% | $77,096-10.4% | $68,486+0.9% |
| Participation rate | 3.6% | 55.9%-52.4pp | 67.9%-64.4pp | 67.9%-64.3pp |
| Annual return | -20.01% | 1.73%-21.7pp | 42.35%-62.4pp | -7.85%-12.2pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,814-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $264 | $2,963-91.1% | $4,429-94.0% | $4,028-93.4% |
| Admin fee / account holder | $2,377 | $3,041-21.8% | $5,428-56.2% | $5,404-56.0% |