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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 | $37,625 | $97,732-61.5% | $83,831-55.1% | $135,380-72.2% |
| Participation rate | 27.3% | 80.0%-52.7pp | 76.1%-48.9pp | 82.6%-55.4pp |
| Annual return | -4.57% | 1287.56%-1292.1pp | 850.99%-855.6pp | 519.81%-524.4pp |
| Employer contribution / active EE | $497 | $4,222-88.2% | $3,631-86.3% | $4,779-89.6% |
| Participant deferral / active EE | $1,297 | $4,683-72.3% | $4,082-68.2% | $5,609-76.9% |
| Admin fee / account holder | $2,037 | $6,675-69.5% | $5,479-62.8% | $10,828-81.2% |