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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 | $233,013 | $209,336+11.3% | $197,124+18.2% | $137,256+69.8% |
| Participation rate | 45.5% | 87.3%-41.8pp | 86.7%-41.3pp | 80.0%-34.5pp |
| Annual return | 15.01% | 48.09%-33.1pp | 44.34%-29.3pp | 220.34%-205.3pp |
| Employer contribution / active EE | $1,098 | $6,591-83.3% | $6,227-82.4% | $4,156-73.6% |
| Participant deferral / active EE | $4,447 | $9,614-53.7% | $9,135-51.3% | $6,407-30.6% |
| Admin fee / account holder | $5,200 | $17,308-70.0% | $16,298-68.1% | $12,270-57.6% |