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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 | $26,950 | $81,870-67.1% | $119,634-77.5% | $68,490-60.7% |
| Participation rate | 60.8% | 71.9%-11.1pp | 79.3%-18.4pp | 67.9%-7.1pp |
| Annual return | -16.53% | -23.82%+7.3pp | -14.98%-1.5pp | -7.85%-8.7pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,955 | $4,148-4.7% | $5,601-29.4% | $4,028-1.8% |
| Admin fee / account holder | $5,112 | $6,583-22.4% | $10,329-50.5% | $5,403-5.4% |