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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 | $42,499 | $105,867-59.9% | $90,760-53.2% | $134,532-68.4% |
| Participation rate | 69.6% | 78.3%-8.7pp | 75.7%-6.1pp | 81.2%-11.7pp |
| Annual return | -16.39% | -10.99%-5.4pp | -12.16%-4.2pp | 418.27%-434.7pp |
| Employer contribution / active EE | $435 | $3,464-87.4% | $2,922-85.1% | $4,741-90.8% |
| Participant deferral / active EE | $4,349 | $5,217-16.6% | $4,565-4.7% | $6,401-32.1% |
| Admin fee / account holder | $707 | $13,936-94.9% | $8,444-91.6% | $11,429-93.8% |