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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 | $81,490 | $123,000-33.7% | $105,582-22.8% | $198,609-59.0% |
| Participation rate | 69.2% | 76.8%-7.5pp | 71.8%-2.5pp | 82.4%-13.1pp |
| Annual return | 16.67% | 18.31%-1.6pp | 18.61%-1.9pp | 202.70%-186.0pp |
| Employer contribution / active EE | $0 | $3,582-100.0% | $2,984-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $2,181 | $5,013-56.5% | $4,353-49.9% | $6,977-68.7% |
| Admin fee / account holder | $675 | $16,254-95.8% | $12,856-94.7% | $19,030-96.5% |