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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 | $70,535 | $71,873-1.9% | $86,698-18.6% | $68,490+3.0% |
| Participation rate | 58.9% | 72.2%-13.3pp | 76.6%-17.6pp | 67.9%-8.9pp |
| Annual return | -16.98% | 3.54%-20.5pp | 35.96%-52.9pp | -7.85%-9.1pp |
| Employer contribution / active EE | $526 | $2,173-75.8% | $2,837-81.4% | $2,597-79.7% |
| Participant deferral / active EE | $6,291 | $3,779+66.5% | $4,656+35.1% | $4,028+56.2% |
| Admin fee / account holder | $1,166 | $6,110-80.9% | $7,492-84.4% | $5,403-78.4% |