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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 | $41,117 | $202,342-79.7% | $172,753-76.2% | $152,909-73.1% |
| Participation rate | 47.4% | 87.1%-39.7pp | 82.6%-35.3pp | 82.5%-35.1pp |
| Annual return | 21.06% | 1029.88%-1008.8pp | 803.00%-781.9pp | 345.46%-324.4pp |
| Employer contribution / active EE | $1,236 | $5,857-78.9% | $5,144-76.0% | $4,764-74.1% |
| Participant deferral / active EE | $3,039 | $5,948-48.9% | $5,198-41.5% | $5,851-48.1% |
| Admin fee / account holder | $2,566 | $17,112-85.0% | $13,956-81.6% | $11,601-77.9% |