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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 | $57,817 | $133,981-56.8% | $112,249-48.5% | $134,532-57.0% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -16.18% | 47.16%-63.3pp | 27.48%-43.7pp | 418.27%-434.4pp |
| Employer contribution / active EE | $2 | $4,040-100.0% | $3,636-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $4,228 | $5,292-20.1% | $4,729-10.6% | $6,401-33.9% |
| Admin fee / account holder | $2,507 | $7,492-66.5% | $6,412-60.9% | $11,429-78.1% |