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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 | $50,509 | $138,068-63.4% | $125,358-59.7% | $134,493-62.4% |
| Participation rate | 43.5% | 84.5%-41.0pp | 82.4%-38.9pp | 81.2%-37.7pp |
| Annual return | -14.26% | 750.30%-764.6pp | 572.03%-586.3pp | 418.01%-432.3pp |
| Employer contribution / active EE | $0 | $5,244-100.0% | $4,814-100.0% | $4,740-100.0% |
| Participant deferral / active EE | $5,008 | $7,799-35.8% | $7,447-32.7% | $6,400-21.7% |
| Admin fee / account holder | $9,388 | $11,568-18.8% | $10,007-6.2% | $11,425-17.8% |