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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 | $52,784 | $61,660-14.4% | $80,022-34.0% | $64,181-17.8% |
| Participation rate | 56.6% | 71.7%-15.1pp | 75.8%-19.2pp | 69.6%-13.0pp |
| Annual return | -6.09% | -0.33%-5.8pp | 11.22%-17.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $259 | $1,810-85.7% | $2,468-89.5% | $2,381-89.1% |
| Participant deferral / active EE | $2,594 | $2,968-12.6% | $3,686-29.6% | $3,470-25.2% |
| Admin fee / account holder | $1,837 | $5,417-66.1% | $6,521-71.8% | $4,887-62.4% |