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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 | $249,031 | $71,197+249.8% | $93,669+165.9% | $80,925+207.7% |
| Participation rate | 58.6% | 60.4%-1.8pp | 68.7%-10.1pp | 67.7%-9.0pp |
| Annual return | 10.75% | 11.27%-0.5pp | 133.59%-122.8pp | 35.65%-24.9pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,424-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,275 | $4,036+80.3% | $4,416+64.7% | $4,299+69.2% |
| Admin fee / account holder | $777 | $6,959-88.8% | $8,291-90.6% | $6,940-88.8% |