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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 | $203,402 | $86,298+135.7% | $111,308+82.7% | $85,847+136.9% |
| Participation rate | 44.4% | 73.3%-28.9pp | 77.3%-32.9pp | 69.3%-24.9pp |
| Annual return | 13.55% | 19.99%-6.4pp | 54.67%-41.1pp | 318.61%-305.1pp |
| Employer contribution / active EE | $510 | $2,044-75.0% | $2,732-81.3% | $2,565-80.1% |
| Participant deferral / active EE | $3,811 | $3,641+4.7% | $4,487-15.1% | $3,952-3.6% |
| Admin fee / account holder | $625 | $8,189-92.4% | $7,965-92.2% | $6,261-90.0% |