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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 | $172,187 | $89,259+92.9% | $107,187+60.6% | $82,637+108.4% |
| Participation rate | 52.5% | 67.9%-15.4pp | 75.0%-22.5pp | 68.1%-15.6pp |
| Annual return | 15.35% | 21.02%-5.7pp | 204.55%-189.2pp | 53.51%-38.2pp |
| Employer contribution / active EE | $790 | $3,080-74.3% | $3,782-79.1% | $2,552-69.0% |
| Participant deferral / active EE | $2,685 | $4,037-33.5% | $5,096-47.3% | $4,126-34.9% |
| Admin fee / account holder | $9,279 | $7,381+25.7% | $9,162+1.3% | $7,339+26.4% |