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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 | $95,807 | $171,492-44.1% | $150,734-36.4% | $198,609-51.8% |
| Participation rate | 43.8% | 81.4%-37.7pp | 78.4%-34.7pp | 82.4%-38.6pp |
| Annual return | 19.43% | 804.70%-785.3pp | 600.81%-581.4pp | 202.70%-183.3pp |
| Employer contribution / active EE | $869 | $5,470-84.1% | $4,918-82.3% | $5,055-82.8% |
| Participant deferral / active EE | $3,813 | $6,259-39.1% | $5,610-32.0% | $6,977-45.3% |
| Admin fee / account holder | $5,089 | $17,628-71.1% | $14,905-65.9% | $19,030-73.3% |