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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 | $20,222 | $167,362-87.9% | $143,799-85.9% | $134,532-85.0% |
| Participation rate | 64.7% | 84.8%-20.1pp | 80.3%-15.6pp | 81.2%-16.5pp |
| Annual return | -13.04% | 0.47%-13.5pp | -0.04%-13.0pp | 418.27%-431.3pp |
| Employer contribution / active EE | $1,062 | $5,620-81.1% | $4,952-78.6% | $4,741-77.6% |
| Participant deferral / active EE | $3,773 | $6,447-41.5% | $5,638-33.1% | $6,401-41.1% |
| Admin fee / account holder | $2,805 | $18,094-84.5% | $14,677-80.9% | $11,429-75.5% |