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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 | $37,107 | $92,219-59.8% | $76,767-51.7% | $135,380-72.6% |
| Participation rate | 27.3% | 79.8%-52.5pp | 77.0%-49.7pp | 82.6%-55.4pp |
| Annual return | -3.83% | 5.46%-9.3pp | 2.43%-6.3pp | 519.81%-523.6pp |
| Employer contribution / active EE | $421 | $3,216-86.9% | $2,485-83.0% | $4,779-91.2% |
| Participant deferral / active EE | $2,418 | $4,508-46.4% | $3,852-37.2% | $5,609-56.9% |
| Admin fee / account holder | $23,597 | $10,749+119.5% | $6,675+253.5% | $10,828+117.9% |