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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 | $24,007 | $175,231-86.3% | $149,696-84.0% | $139,466-82.8% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 14.54% | 166.77%-152.2pp | 134.46%-119.9pp | 373.66%-359.1pp |
| Employer contribution / active EE | $591 | $5,478-89.2% | $4,821-87.7% | $4,754-87.6% |
| Participant deferral / active EE | $7,407 | $6,521+13.6% | $5,682+30.4% | $6,712+10.4% |
| Admin fee / account holder | $1,463 | $16,155-90.9% | $13,212-88.9% | $11,409-87.2% |