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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 | $94,395 | $202,342-53.3% | $172,753-45.4% | $152,909-38.3% |
| Participation rate | 69.6% | 87.1%-17.5pp | 82.6%-13.1pp | 82.5%-12.9pp |
| Annual return | 17.65% | 1029.88%-1012.2pp | 803.00%-785.3pp | 345.46%-327.8pp |
| Employer contribution / active EE | $962 | $5,857-83.6% | $5,144-81.3% | $4,764-79.8% |
| Participant deferral / active EE | $4,909 | $5,948-17.5% | $5,198-5.6% | $5,851-16.1% |
| Admin fee / account holder | $22,095 | $17,112+29.1% | $13,956+58.3% | $11,601+90.5% |