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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 | $68,048 | $81,870-16.9% | $119,634-43.1% | $68,490-0.6% |
| Participation rate | 22.5% | 71.9%-49.4pp | 79.3%-56.8pp | 67.9%-45.4pp |
| Annual return | -14.65% | -23.82%+9.2pp | -14.98%+0.3pp | -7.85%-6.8pp |
| Employer contribution / active EE | $821 | $2,692-69.5% | $4,232-80.6% | $2,597-68.4% |
| Participant deferral / active EE | $1,696 | $4,148-59.1% | $5,601-69.7% | $4,028-57.9% |
| Admin fee / account holder | $1,326 | $6,583-79.9% | $10,329-87.2% | $5,403-75.5% |