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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 | $123,643 | $100,811+22.6% | $86,698+42.6% | $134,545-8.1% |
| Participation rate | 25.0% | 79.0%-54.0pp | 76.6%-51.6pp | 81.2%-56.2pp |
| Annual return | -16.01% | 29.11%-45.1pp | 35.96%-52.0pp | 418.37%-434.4pp |
| Employer contribution / active EE | $0 | $3,490-100.0% | $2,837-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $6,652 | $5,339+24.6% | $4,656+42.9% | $6,401+3.9% |
| Admin fee / account holder | $11,798 | $10,926+8.0% | $7,492+57.5% | $11,431+3.2% |