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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $91,785 | $61,815+48.5% | $97,295-5.7% | $80,959+13.4% |
| Participation rate | 30.6% | 63.5%-32.9pp | 72.7%-42.1pp | 67.7%-37.1pp |
| Annual return | 13.36% | -558.73%+572.1pp | 75.62%-62.3pp | 35.67%-22.3pp |
| Employer contribution / active EE | $171 | $1,836-90.7% | $2,723-93.7% | $2,757-93.8% |
| Participant deferral / active EE | $999 | $3,027-67.0% | $4,264-76.6% | $4,300-76.8% |
| Admin fee / account holder | $23,505 | $5,166+355.0% | $5,646+316.3% | $6,925+239.4% |