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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 | $166,156 | $86,298+92.5% | $111,308+49.3% | $85,847+93.5% |
| Participation rate | 64.0% | 73.3%-9.3pp | 77.3%-13.3pp | 69.3%-5.3pp |
| Annual return | 13.64% | 19.99%-6.3pp | 54.67%-41.0pp | 318.61%-305.0pp |
| Employer contribution / active EE | $450 | $2,044-78.0% | $2,732-83.5% | $2,565-82.5% |
| Participant deferral / active EE | $2,652 | $3,641-27.2% | $4,487-40.9% | $3,952-32.9% |
| Admin fee / account holder | $33,958 | $8,189+314.7% | $7,965+326.3% | $6,261+442.4% |