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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 | $76,414 | $198,457-61.5% | $170,435-55.2% | $147,586-48.2% |
| Participation rate | 45.8% | 88.0%-42.1pp | 83.6%-37.8pp | 82.8%-37.0pp |
| Annual return | 17.15% | 257.30%-240.2pp | 205.94%-188.8pp | 578.59%-561.4pp |
| Employer contribution / active EE | $152 | $6,183-97.5% | $5,432-97.2% | $4,876-96.9% |
| Participant deferral / active EE | $2,750 | $5,629-51.1% | $4,939-44.3% | $5,439-49.4% |
| Admin fee / account holder | $3,499 | $16,852-79.2% | $13,881-74.8% | $10,886-67.9% |