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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 | $94,446 | $105,866-10.8% | $90,766+4.1% | $134,545-29.8% |
| Participation rate | 33.3% | 78.3%-44.9pp | 75.7%-42.4pp | 81.2%-47.9pp |
| Annual return | -7.55% | -10.99%+3.4pp | -12.16%+4.6pp | 418.37%-425.9pp |
| Employer contribution / active EE | $620 | $3,464-82.1% | $2,922-78.8% | $4,742-86.9% |
| Participant deferral / active EE | $4,855 | $5,217-6.9% | $4,565+6.4% | $6,401-24.2% |
| Admin fee / account holder | $1,376 | $13,938-90.1% | $8,446-83.7% | $11,431-88.0% |