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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 | $95,028 | $81,870+16.1% | $119,622-20.6% | $68,486+38.8% |
| Participation rate | 44.7% | 71.9%-27.2pp | 79.3%-34.5pp | 67.9%-23.2pp |
| Annual return | -16.97% | -23.82%+6.8pp | -14.98%-2.0pp | -7.85%-9.1pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,698 | $4,148-10.9% | $5,601-34.0% | $4,028-8.2% |
| Admin fee / account holder | $662 | $6,583-90.0% | $10,328-93.6% | $5,404-87.8% |