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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 | $22,233 | $82,674-73.1% | $125,381-82.3% | $68,486-67.5% |
| Participation rate | 36.7% | 75.1%-38.4pp | 82.4%-45.7pp | 67.9%-31.2pp |
| Annual return | 88.89% | -5.97%+94.9pp | 572.31%-483.4pp | -7.85%+96.7pp |
| Employer contribution / active EE | $1,239 | $3,382-63.4% | $4,815-74.3% | $2,597-52.3% |
| Participant deferral / active EE | $2,510 | $6,111-58.9% | $7,448-66.3% | $4,028-37.7% |
| Admin fee / account holder | $952 | $6,277-84.8% | $10,007-90.5% | $5,404-82.4% |