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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 | $65,733 | $110,379-40.4% | $102,412-35.8% | $145,884-54.9% |
| Participation rate | 38.9% | 77.9%-39.0pp | 74.5%-35.6pp | 80.3%-41.4pp |
| Annual return | 20.20% | 24.84%-4.6pp | 24.94%-4.7pp | 551.85%-531.6pp |
| Employer contribution / active EE | $597 | $4,216-85.8% | $3,870-84.6% | $4,662-87.2% |
| Participant deferral / active EE | $3,149 | $5,622-44.0% | $5,060-37.8% | $6,690-52.9% |
| Admin fee / account holder | $318 | $9,745-96.7% | $8,388-96.2% | $13,392-97.6% |