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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 | $103,720 | $157,276-34.1% | $141,177-26.5% | $152,885-32.2% |
| Participation rate | 41.7% | 84.8%-43.2pp | 82.5%-40.8pp | 82.5%-40.8pp |
| Annual return | 21.05% | 64.33%-43.3pp | 71.40%-50.4pp | 345.39%-324.3pp |
| Employer contribution / active EE | $0 | $5,262-100.0% | $4,736-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $4,455 | $7,110-37.4% | $6,710-33.6% | $5,851-23.9% |
| Admin fee / account holder | $17,682 | $12,123+45.9% | $10,263+72.3% | $11,598+52.5% |