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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 | $49,525 | $138,072-64.1% | $123,549-59.9% | $135,382-63.4% |
| Participation rate | 68.4% | 84.7%-16.3pp | 82.3%-13.9pp | 82.6%-14.2pp |
| Annual return | -6.97% | 153.69%-160.7pp | 119.20%-126.2pp | 519.77%-526.7pp |
| Employer contribution / active EE | $410 | $5,152-92.0% | $4,628-91.1% | $4,779-91.4% |
| Participant deferral / active EE | $4,566 | $6,799-32.8% | $6,426-28.9% | $5,609-18.6% |
| Admin fee / account holder | $7,903 | $10,917-27.6% | $9,284-14.9% | $10,829-27.0% |