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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 | $124,877 | $107,421+16.2% | $182,262-31.5% | $94,015+32.8% |
| Participation rate | 0.0% | 77.8%-77.8pp | 84.2%-84.2pp | 70.8%-70.8pp |
| Annual return | 18.18% | 21.32%-3.1pp | 140.60%-122.4pp | 17.84%+0.3pp |
| Employer contribution / active EE | $126 | $3,448-96.4% | $5,046-97.5% | $2,790-95.5% |
| Participant deferral / active EE | $12,479 | $6,558+90.3% | $8,276+50.8% | $4,249+193.7% |
| Admin fee / account holder | $1,282 | $8,692-85.2% | $16,712-92.3% | $8,951-85.7% |