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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 | $43,115 | $135,645-68.2% | $110,243-60.9% | $135,379-68.2% |
| Participation rate | 68.8% | 83.5%-14.7pp | 79.8%-11.1pp | 82.6%-13.9pp |
| Annual return | -7.72% | 513.24%-521.0pp | 314.76%-322.5pp | 519.79%-527.5pp |
| Employer contribution / active EE | $725 | $4,907-85.2% | $3,827-81.1% | $4,779-84.8% |
| Participant deferral / active EE | $4,301 | $5,507-21.9% | $4,672-7.9% | $5,609-23.3% |
| Admin fee / account holder | $1,468 | $11,458-87.2% | $8,548-82.8% | $10,828-86.4% |