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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 | $16,996 | $41,151-58.7% | $80,648-78.9% | $71,529-76.2% |
| Participation rate | 10.9% | 50.2%-39.3pp | 67.0%-56.1pp | 67.9%-57.0pp |
| Annual return | 17.42% | 38.49%-21.1pp | 937.21%-919.8pp | 28.97%-11.6pp |
| Employer contribution / active EE | $0 | $1,513-100.0% | $2,724-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $1,502 | $2,700-44.4% | $4,443-66.2% | $4,291-65.0% |
| Admin fee / account holder | $4,480 | $1,842+143.2% | $5,382-16.8% | $1,588+182.0% |