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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 | $118,973 | $140,592-15.4% | $123,105-3.4% | $125,389-5.1% |
| Participation rate | 57.1% | 88.2%-31.1pp | 86.8%-29.6pp | 83.2%-26.0pp |
| Annual return | -1.86% | 16.80%-18.7pp | 13.22%-15.1pp | 282.24%-284.1pp |
| Employer contribution / active EE | $0 | $6,041-100.0% | $5,151-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $3,914 | $6,980-43.9% | $6,229-37.2% | $5,352-26.9% |
| Admin fee / account holder | $10,676 | $11,198-4.7% | $9,014+18.4% | $9,541+11.9% |