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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 | $63,798 | $53,546+19.1% | $69,890-8.7% | $68,490-6.9% |
| Participation rate | 26.7% | 64.5%-37.9pp | 70.5%-43.8pp | 67.9%-41.2pp |
| Annual return | -15.82% | -13.87%-2.0pp | 190.84%-206.7pp | -7.85%-8.0pp |
| Employer contribution / active EE | $0 | $2,019-100.0% | $2,560-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,333 | $2,957-54.9% | $3,848-65.4% | $4,028-66.9% |
| Admin fee / account holder | $6,805 | $4,693+45.0% | $6,267+8.6% | $5,403+26.0% |