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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 | $25,769 | $49,255-47.7% | $70,494-63.4% | $79,856-67.7% |
| Participation rate | 50.6% | 69.2%-18.6pp | 75.1%-24.5pp | 69.6%-19.1pp |
| Annual return | 18.70% | 30.10%-11.4pp | 109.16%-90.5pp | 31.71%-13.0pp |
| Employer contribution / active EE | $42 | $2,100-98.0% | $2,738-98.5% | $2,471-98.3% |
| Participant deferral / active EE | $1,686 | $2,768-39.1% | $3,711-54.6% | $3,741-54.9% |
| Admin fee / account holder | $3,409 | $2,879+18.4% | $3,848-11.4% | $5,306-35.8% |