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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 | $150,321 | $102,245+47.0% | $89,340+68.3% | $137,256+9.5% |
| Participation rate | 57.9% | 74.9%-17.0pp | 69.6%-11.7pp | 80.0%-22.1pp |
| Annual return | 10.45% | 21.89%-11.4pp | 20.57%-10.1pp | 220.34%-209.9pp |
| Employer contribution / active EE | $0 | $2,529-100.0% | $2,231-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,614 | $4,436-41.1% | $3,823-31.6% | $6,407-59.2% |
| Admin fee / account holder | $45,536 | $8,085+463.2% | $6,704+579.3% | $12,270+271.1% |