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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 | $53,208 | $118,496-55.1% | $98,461-46.0% | $139,466-61.8% |
| Participation rate | 47.4% | 77.5%-30.1pp | 75.2%-27.8pp | 80.3%-33.0pp |
| Annual return | 13.44% | 18.96%-5.5pp | 21.17%-7.7pp | 373.66%-360.2pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $1,898 | $5,393-64.8% | $4,738-59.9% | $6,712-71.7% |
| Admin fee / account holder | $17,889 | $14,056+27.3% | $8,961+99.6% | $11,409+56.8% |