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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 | $36,980 | $61,125-39.5% | $94,057-60.7% | $87,485-57.7% |
| Participation rate | 25.5% | 64.1%-38.5pp | 73.3%-47.8pp | 68.9%-43.4pp |
| Annual return | 17.05% | 35.20%-18.1pp | 480.62%-463.6pp | 26.06%-9.0pp |
| Employer contribution / active EE | $160 | $2,136-92.5% | $2,933-94.6% | $2,596-93.9% |
| Participant deferral / active EE | $1,451 | $3,260-55.5% | $4,709-69.2% | $4,274-66.1% |
| Admin fee / account holder | $5,758 | $5,629+2.3% | $7,244-20.5% | $7,775-25.9% |