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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 | $48,019 | $82,674-41.9% | $125,381-61.7% | $68,486-29.9% |
| Participation rate | 67.5% | 75.1%-7.5pp | 82.4%-14.8pp | 67.9%-0.4pp |
| Annual return | -16.87% | -5.97%-10.9pp | 572.31%-589.2pp | -7.85%-9.0pp |
| Employer contribution / active EE | $417 | $3,382-87.7% | $4,815-91.3% | $2,597-83.9% |
| Participant deferral / active EE | $4,143 | $6,111-32.2% | $7,448-44.4% | $4,028+2.9% |
| Admin fee / account holder | $8,560 | $6,277+36.4% | $10,007-14.5% | $5,404+58.4% |