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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 | $45,048 | $180,462-75.0% | $154,111-70.8% | $135,379-66.7% |
| Participation rate | 30.0% | 87.4%-57.4pp | 83.0%-53.0pp | 82.6%-52.6pp |
| Annual return | -3.63% | 888.17%-891.8pp | 735.18%-738.8pp | 519.79%-523.4pp |
| Employer contribution / active EE | $885 | $6,036-85.3% | $5,298-83.3% | $4,779-81.5% |
| Participant deferral / active EE | $2,095 | $5,806-63.9% | $5,081-58.8% | $5,609-62.7% |
| Admin fee / account holder | $5,765 | $16,145-64.3% | $13,411-57.0% | $10,828-46.8% |