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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 | $21,891 | $84,551-74.1% | $61,452-64.4% | $134,532-83.7% |
| Participation rate | 39.1% | 62.2%-23.1pp | 52.6%-13.4pp | 81.2%-42.1pp |
| Annual return | -11.55% | 585.39%-596.9pp | 338.96%-350.5pp | 418.27%-429.8pp |
| Employer contribution / active EE | $0 | $1,545-100.0% | $1,160-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $1,369 | $2,818-51.4% | $2,125-35.6% | $6,401-78.6% |
| Admin fee / account holder | $18,703 | $2,587+622.8% | $2,131+777.7% | $11,429+63.7% |