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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 | $160,441 | $67,411+138.0% | $91,004+76.3% | $70,126+128.8% |
| Participation rate | 57.1% | 71.4%-14.2pp | 75.6%-18.5pp | 69.5%-12.4pp |
| Annual return | 16.66% | -40.16%+56.8pp | 4.60%+12.1pp | 73.15%-56.5pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,871 | $2,823+1.7% | $3,548-19.1% | $3,332-13.8% |
| Admin fee / account holder | $1,438 | $4,236-66.1% | $5,417-73.5% | $4,645-69.0% |