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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 | $16,120 | $57,590-72.0% | $86,233-81.3% | $82,448-80.4% |
| Participation rate | 42.2% | 57.9%-15.6pp | 69.0%-26.8pp | 68.1%-25.8pp |
| Annual return | 14.65% | 22.41%-7.8pp | 61.39%-46.7pp | 41.64%-27.0pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,038 | $3,080-66.3% | $4,559-77.2% | $4,139-74.9% |
| Admin fee / account holder | $2,160 | $4,730-54.3% | $8,342-74.1% | $7,234-70.1% |