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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 | $25,416 | $45,566-44.2% | $64,105-60.4% | $59,633-57.4% |
| Participation rate | 52.3% | 60.2%-7.9pp | 68.2%-15.9pp | 68.7%-16.4pp |
| Annual return | -1.49% | 4.95%-6.4pp | 791.24%-792.7pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,074 | $2,057+0.8% | $2,822-26.5% | $3,192-35.0% |
| Admin fee / account holder | $3,688 | $3,268+12.9% | $4,499-18.0% | $4,297-14.2% |