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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 | $32,784 | $41,150-20.3% | $80,627-59.3% | $71,511-54.2% |
| Participation rate | 6.8% | 50.3%-43.5pp | 67.0%-60.2pp | 67.9%-61.2pp |
| Annual return | 16.12% | 38.48%-22.4pp | 936.76%-920.6pp | 28.86%-12.7pp |
| Employer contribution / active EE | $30 | $1,515-98.0% | $2,723-98.9% | $2,589-98.9% |
| Participant deferral / active EE | $733 | $2,701-72.9% | $4,443-83.5% | $4,291-82.9% |
| Admin fee / account holder | $6,353 | $1,841+245.1% | $5,381+18.1% | $1,588+300.0% |