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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 | $60,118 | $65,703-8.5% | $94,224-36.2% | $59,632+0.8% |
| Participation rate | 68.8% | 72.1%-3.4pp | 78.8%-10.0pp | 68.7%+0.1pp |
| Annual return | -0.95% | 5.22%-6.2pp | 10.68%-11.6pp | 2041.32%-2042.3pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,317 | $3,143-26.3% | $4,320-46.4% | $3,192-27.4% |
| Admin fee / account holder | $2,044 | $4,264-52.1% | $6,269-67.4% | $4,297-52.4% |