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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 | $83,076 | $136,860-39.3% | $120,344-31.0% | $154,746-46.3% |
| Participation rate | 64.3% | 79.9%-15.6pp | 76.7%-12.4pp | 80.7%-16.4pp |
| Annual return | 14.15% | 21.38%-7.2pp | 20.30%-6.2pp | 172.34%-158.2pp |
| Employer contribution / active EE | $78 | $3,533-97.8% | $3,020-97.4% | $4,379-98.2% |
| Participant deferral / active EE | $8,130 | $5,793+40.3% | $5,135+58.3% | $6,730+20.8% |
| Admin fee / account holder | $667 | $15,393-95.7% | $12,742-94.8% | $14,365-95.4% |