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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 | $91,415 | $88,778+3.0% | $81,844+11.7% | $145,884-37.3% |
| Participation rate | 55.0% | 75.1%-20.1pp | 72.4%-17.4pp | 80.3%-25.3pp |
| Annual return | 11.41% | 1033.03%-1021.6pp | 778.87%-767.5pp | 551.85%-540.4pp |
| Employer contribution / active EE | $301 | $3,087-90.2% | $2,916-89.7% | $4,662-93.5% |
| Participant deferral / active EE | $2,066 | $4,648-55.6% | $4,323-52.2% | $6,690-69.1% |
| Admin fee / account holder | $58,362 | $8,430+592.3% | $7,355+693.5% | $13,392+335.8% |