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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 | $20,166 | $73,863-72.7% | $143,797-86.0% | $68,490-70.6% |
| Participation rate | 12.7% | 66.7%-54.0pp | 80.3%-67.6pp | 67.9%-55.2pp |
| Annual return | -19.01% | 0.91%-19.9pp | -0.04%-19.0pp | -7.85%-11.2pp |
| Employer contribution / active EE | $10 | $3,185-99.7% | $4,952-99.8% | $2,597-99.6% |
| Participant deferral / active EE | $2,530 | $3,385-25.3% | $5,638-55.1% | $4,028-37.2% |
| Admin fee / account holder | $8,552 | $5,756+48.6% | $14,679-41.7% | $5,403+58.3% |