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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 | $76,515 | $48,050+59.2% | $85,969-11.0% | $59,633+28.3% |
| Participation rate | 27.6% | 64.5%-36.9pp | 76.5%-48.9pp | 68.7%-41.1pp |
| Annual return | -1.34% | 0.29%-1.6pp | 9.32%-10.7pp | 2041.40%-2042.7pp |
| Employer contribution / active EE | $0 | $1,640-100.0% | $3,474-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $932 | $2,249-58.6% | $3,829-75.7% | $3,192-70.8% |
| Admin fee / account holder | $13,068 | $3,206+307.6% | $6,053+115.9% | $4,297+204.1% |