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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 | $129,737-52.9% | $119,126-48.7% | $154,746-60.5% |
| Participation rate | 60.0% | 78.9%-18.9pp | 75.8%-15.8pp | 80.7%-20.7pp |
| Annual return | 16.24% | 379.08%-362.8pp | 282.11%-265.9pp | 172.34%-156.1pp |
| Employer contribution / active EE | $516 | $4,375-88.2% | $4,034-87.2% | $4,379-88.2% |
| Participant deferral / active EE | $2,605 | $5,842-55.4% | $5,318-51.0% | $6,730-61.3% |
| Admin fee / account holder | $660 | $11,961-94.5% | $10,693-93.8% | $14,365-95.4% |