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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 | $48,382 | $97,729-50.5% | $83,830-42.3% | $135,379-64.3% |
| Participation rate | 52.2% | 80.0%-27.8pp | 76.1%-24.0pp | 82.6%-30.5pp |
| Annual return | -4.67% | 1287.52%-1292.2pp | 850.97%-855.6pp | 519.79%-524.5pp |
| Employer contribution / active EE | $421 | $4,222-90.0% | $3,631-88.4% | $4,779-91.2% |
| Participant deferral / active EE | $1,715 | $4,683-63.4% | $4,082-58.0% | $5,609-69.4% |
| Admin fee / account holder | $1,671 | $6,674-75.0% | $5,479-69.5% | $10,828-84.6% |