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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 | $101,784 | $78,670+29.4% | $109,173-6.8% | $85,847+18.6% |
| Participation rate | 35.1% | 68.3%-33.1pp | 75.9%-40.7pp | 69.3%-34.2pp |
| Annual return | 13.10% | 25.09%-12.0pp | 25.75%-12.7pp | 318.61%-305.5pp |
| Employer contribution / active EE | $491 | $2,734-82.0% | $3,723-86.8% | $2,565-80.8% |
| Participant deferral / active EE | $1,869 | $3,467-46.1% | $4,654-59.8% | $3,952-52.7% |
| Admin fee / account holder | $13,344 | $5,469+144.0% | $6,755+97.5% | $6,261+113.1% |