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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 | $52,007 | $54,229-4.1% | $70,093-25.8% | $68,498-24.1% |
| Participation rate | 66.7% | 64.5%+2.2pp | 70.5%-3.8pp | 67.9%-1.2pp |
| Annual return | -15.12% | -13.87%-1.3pp | 190.73%-205.9pp | -7.84%-7.3pp |
| Employer contribution / active EE | $65 | $2,018-96.8% | $2,560-97.5% | $2,596-97.5% |
| Participant deferral / active EE | $1,322 | $2,956-55.3% | $3,849-65.7% | $4,027-67.2% |
| Admin fee / account holder | $2,543 | $4,694-45.8% | $6,267-59.4% | $5,403-52.9% |