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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 | $20,594 | $42,910-52.0% | $60,919-66.2% | $68,490-69.9% |
| Participation rate | 50.0% | 66.8%-16.8pp | 73.1%-23.1pp | 67.9%-17.9pp |
| Annual return | -17.43% | -13.99%-3.4pp | 16.96%-34.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $262 | $1,978-86.8% | $2,704-90.3% | $2,597-89.9% |
| Participant deferral / active EE | $1,720 | $2,866-40.0% | $3,814-54.9% | $4,028-57.3% |
| Admin fee / account holder | $624 | $3,104-79.9% | $3,228-80.7% | $5,403-88.4% |