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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 | $60,750 | $65,367-7.1% | $92,915-34.6% | $72,976-16.8% |
| Participation rate | 34.7% | 68.3%-33.6pp | 76.0%-41.3pp | 69.5%-34.8pp |
| Annual return | 20.12% | 42.11%-22.0pp | 109.45%-89.3pp | 81.02%-60.9pp |
| Employer contribution / active EE | $290 | $2,594-88.8% | $3,653-92.1% | $2,440-88.1% |
| Participant deferral / active EE | $1,721 | $3,128-45.0% | $4,238-59.4% | $3,608-52.3% |
| Admin fee / account holder | $831 | $4,251-80.5% | $5,796-85.7% | $5,124-83.8% |