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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 | $116,374 | $105,866+9.9% | $90,766+28.2% | $134,545-13.5% |
| Participation rate | 47.1% | 78.3%-31.2pp | 75.7%-28.6pp | 81.2%-34.2pp |
| Annual return | -17.30% | -10.99%-6.3pp | -12.16%-5.1pp | 418.37%-435.7pp |
| Employer contribution / active EE | $214 | $3,464-93.8% | $2,922-92.7% | $4,742-95.5% |
| Participant deferral / active EE | $1,911 | $5,217-63.4% | $4,565-58.1% | $6,401-70.2% |
| Admin fee / account holder | $1,133 | $13,938-91.9% | $8,446-86.6% | $11,431-90.1% |