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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 | $61,153 | $114,119-46.4% | $107,187-42.9% | $138,895-56.0% |
| Participation rate | 60.0% | 78.1%-18.1pp | 75.0%-15.0pp | 79.9%-19.9pp |
| Annual return | 16.24% | 273.21%-257.0pp | 204.55%-188.3pp | 145.39%-129.2pp |
| Employer contribution / active EE | $516 | $4,059-87.3% | $3,782-86.4% | $4,194-87.7% |
| Participant deferral / active EE | $2,605 | $5,538-53.0% | $5,096-48.9% | $6,396-59.3% |
| Admin fee / account holder | $660 | $10,024-93.4% | $9,162-92.8% | $12,562-94.7% |