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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 | $51,734 | $45,566+13.5% | $64,105-19.3% | $59,633-13.2% |
| Participation rate | 60.5% | 60.2%+0.4pp | 68.2%-7.6pp | 68.7%-8.1pp |
| Annual return | 0.70% | 4.95%-4.2pp | 791.24%-790.5pp | 2041.40%-2040.7pp |
| Employer contribution / active EE | $134 | $934-85.6% | $1,820-92.6% | $2,203-93.9% |
| Participant deferral / active EE | $1,977 | $2,057-3.9% | $2,822-30.0% | $3,192-38.1% |
| Admin fee / account holder | $12,142 | $3,268+271.6% | $4,499+169.9% | $4,297+182.6% |