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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 | $35,715 | $71,480-50.0% | $90,782-60.7% | $64,173-44.3% |
| Participation rate | 44.0% | 77.6%-33.6pp | 82.7%-38.7pp | 69.6%-25.6pp |
| Annual return | -5.86% | -4.25%-1.6pp | -3.42%-2.4pp | 7.63%-13.5pp |
| Employer contribution / active EE | $0 | $3,415-100.0% | $4,105-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,662 | $4,302-61.4% | $5,366-69.0% | $3,470-52.1% |
| Admin fee / account holder | $1,044 | $6,309-83.5% | $5,908-82.3% | $4,887-78.6% |