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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 | $220,602 | $94,031+134.6% | $115,768+90.6% | $82,448+167.6% |
| Participation rate | 46.7% | 70.4%-23.8pp | 74.4%-27.7pp | 68.1%-21.4pp |
| Annual return | 14.44% | 20.61%-6.2pp | 100.46%-86.0pp | 41.64%-27.2pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,181 | $3,972-45.1% | $4,917-55.6% | $4,139-47.3% |
| Admin fee / account holder | $28,283 | $10,249+175.9% | $12,439+127.4% | $7,234+290.9% |