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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 | $144,122 | $73,019+97.4% | $90,766+58.8% | $68,490+110.4% |
| Participation rate | 50.7% | 70.8%-20.1pp | 75.7%-25.0pp | 67.9%-17.2pp |
| Annual return | -11.47% | -13.81%+2.3pp | -12.16%+0.7pp | -7.85%-3.6pp |
| Employer contribution / active EE | $276 | $2,193-87.4% | $2,922-90.6% | $2,597-89.4% |
| Participant deferral / active EE | $6,179 | $3,626+70.4% | $4,565+35.4% | $4,028+53.4% |
| Admin fee / account holder | $9,453 | $5,897+60.3% | $8,446+11.9% | $5,403+75.0% |