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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 | $10,002 | $57,590-82.6% | $86,233-88.4% | $82,448-87.9% |
| Participation rate | 25.3% | 57.9%-32.6pp | 69.0%-43.7pp | 68.1%-42.8pp |
| Annual return | 22.36% | 22.41%-0.1pp | 61.39%-39.0pp | 41.64%-19.3pp |
| Employer contribution / active EE | $397 | $1,655-76.0% | $2,504-84.2% | $2,551-84.4% |
| Participant deferral / active EE | $595 | $3,080-80.7% | $4,559-87.0% | $4,139-85.6% |
| Admin fee / account holder | $825 | $4,730-82.6% | $8,342-90.1% | $7,234-88.6% |