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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 | $27,599 | $167,362-83.5% | $143,799-80.8% | $134,532-79.5% |
| Participation rate | 29.4% | 84.8%-55.4pp | 80.3%-50.9pp | 81.2%-51.8pp |
| Annual return | -0.28% | 0.47%-0.8pp | -0.04%-0.2pp | 418.27%-418.5pp |
| Employer contribution / active EE | $4,185 | $5,620-25.5% | $4,952-15.5% | $4,741-11.7% |
| Participant deferral / active EE | $874 | $6,447-86.4% | $5,638-84.5% | $6,401-86.3% |
| Admin fee / account holder | $22,957 | $18,094+26.9% | $14,677+56.4% | $11,429+100.9% |