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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 | $68,951 | $92,743-25.7% | $82,744-16.7% | $134,532-48.7% |
| Participation rate | 57.1% | 75.2%-18.1pp | 72.6%-15.4pp | 81.2%-24.1pp |
| Annual return | -18.21% | 946.63%-964.8pp | 702.22%-720.4pp | 418.27%-436.5pp |
| Employer contribution / active EE | $283 | $3,273-91.4% | $3,008-90.6% | $4,741-94.0% |
| Participant deferral / active EE | $7,040 | $4,802+46.6% | $4,395+60.2% | $6,401+10.0% |
| Admin fee / account holder | $471 | $5,977-92.1% | $5,325-91.2% | $11,429-95.9% |