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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 | $22,576 | $57,350-60.6% | $83,850-73.1% | $64,181-64.8% |
| Participation rate | 66.7% | 68.6%-1.9pp | 76.1%-9.5pp | 69.6%-2.9pp |
| Annual return | -5.71% | 11.38%-17.1pp | 850.92%-856.6pp | 7.63%-13.3pp |
| Employer contribution / active EE | $459 | $2,545-82.0% | $3,631-87.4% | $2,381-80.7% |
| Participant deferral / active EE | $2,693 | $2,993-10.0% | $4,082-34.0% | $3,470-22.4% |
| Admin fee / account holder | $1,230 | $4,046-69.6% | $5,478-77.5% | $4,887-74.8% |