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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 | $28,819 | $85,169-66.2% | $172,755-83.3% | $72,983-60.5% |
| Participation rate | 54.8% | 70.1%-15.3pp | 82.6%-27.9pp | 69.5%-14.7pp |
| Annual return | 21.24% | 27.32%-6.1pp | 802.94%-781.7pp | 81.01%-59.8pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,048 | $3,260-67.8% | $5,198-79.8% | $3,608-70.9% |
| Admin fee / account holder | $6,438 | $5,880+9.5% | $13,955-53.9% | $5,124+25.6% |