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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 | $35,907 | $41,151-12.7% | $80,648-55.5% | $71,529-49.8% |
| Participation rate | 27.9% | 50.2%-22.4pp | 67.0%-39.1pp | 67.9%-40.1pp |
| Annual return | 20.72% | 38.49%-17.8pp | 937.21%-916.5pp | 28.97%-8.3pp |
| Employer contribution / active EE | $0 | $1,513-100.0% | $2,724-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $3,406 | $2,700+26.1% | $4,443-23.4% | $4,291-20.6% |
| Admin fee / account holder | $7,225 | $1,842+292.1% | $5,382+34.2% | $1,588+354.8% |