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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 | $131,045 | $147,167-11.0% | $111,392+17.6% | $135,380-3.2% |
| Participation rate | 50.0% | 84.0%-34.0pp | 78.9%-28.9pp | 82.6%-32.6pp |
| Annual return | -5.07% | -4.44%-0.6pp | -2.06%-3.0pp | 519.81%-524.9pp |
| Employer contribution / active EE | $1,123 | $5,204-78.4% | $4,328-74.1% | $4,779-76.5% |
| Participant deferral / active EE | $2,282 | $6,565-65.2% | $5,567-59.0% | $5,609-59.3% |
| Admin fee / account holder | $3,562 | $20,270-82.4% | $12,266-71.0% | $10,828-67.1% |