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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 | $153,771 | $95,915+60.3% | $79,580+93.2% | $134,532+14.3% |
| Participation rate | 33.3% | 75.0%-41.7pp | 69.5%-36.2pp | 81.2%-47.9pp |
| Annual return | -10.89% | -2.71%-8.2pp | 0.15%-11.0pp | 418.27%-429.2pp |
| Employer contribution / active EE | $213 | $3,129-93.2% | $2,413-91.2% | $4,741-95.5% |
| Participant deferral / active EE | $2,233 | $4,693-52.4% | $3,985-44.0% | $6,401-65.1% |
| Admin fee / account holder | $1,868 | $9,132-79.5% | $6,835-72.7% | $11,429-83.7% |