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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 | $16,325 | $138,102-88.2% | $125,381-87.0% | $134,532-87.9% |
| Participation rate | 40.9% | 84.5%-43.6pp | 82.4%-41.5pp | 81.2%-40.3pp |
| Annual return | -7.82% | 750.73%-758.5pp | 572.31%-580.1pp | 418.27%-426.1pp |
| Employer contribution / active EE | $1,367 | $5,245-73.9% | $4,815-71.6% | $4,741-71.2% |
| Participant deferral / active EE | $2,493 | $7,801-68.0% | $7,448-66.5% | $6,401-61.1% |
| Admin fee / account holder | $2,984 | $11,568-74.2% | $10,007-70.2% | $11,429-73.9% |