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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 | $19,816 | $99,345-80.1% | $84,753-76.6% | $273,972-92.8% |
| Participation rate | 23.1% | 80.7%-57.6pp | 76.6%-53.5pp | 83.0%-59.9pp |
| Annual return | 0.00% | 22.93%-22.9pp | 22.78%-22.8pp | 41.46%-41.5pp |
| Employer contribution / active EE | $232 | $4,214-94.5% | $3,574-93.5% | $4,869-95.2% |
| Participant deferral / active EE | $1,353 | $4,270-68.3% | $3,712-63.5% | $5,287-74.4% |
| Admin fee / account holder | $3,853 | $6,645-42.0% | $5,333-27.8% | $10,133-62.0% |