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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 | $66,374 | $135,645-51.1% | $110,243-39.8% | $135,380-51.0% |
| Participation rate | 64.3% | 83.5%-19.2pp | 79.8%-15.5pp | 82.6%-18.4pp |
| Annual return | -7.85% | 513.24%-521.1pp | 314.76%-322.6pp | 519.81%-527.7pp |
| Employer contribution / active EE | $84 | $4,907-98.3% | $3,827-97.8% | $4,779-98.2% |
| Participant deferral / active EE | $8,486 | $5,507+54.1% | $4,672+81.6% | $5,609+51.3% |
| Admin fee / account holder | $7,568 | $11,458-34.0% | $8,548-11.5% | $10,828-30.1% |