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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 | $18,325 | $52,279-64.9% | $89,414-79.5% | $79,852-77.1% |
| Participation rate | 63.3% | 57.5%+5.8pp | 68.0%-4.7pp | 69.6%-6.3pp |
| Annual return | 23.47% | 22.16%+1.3pp | 245.50%-222.0pp | 31.72%-8.3pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,586-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,805 | $2,740-34.1% | $3,890-53.6% | $3,740-51.7% |
| Admin fee / account holder | $2,857 | $3,356-14.9% | $4,883-41.5% | $5,306-46.2% |