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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 | $96,621 | $90,530+6.7% | $76,030+27.1% | $145,897-33.8% |
| Participation rate | 66.7% | 74.4%-7.8pp | 69.1%-2.4pp | 80.3%-13.6pp |
| Annual return | 13.47% | 625.08%-611.6pp | 361.54%-348.1pp | 552.29%-538.8pp |
| Employer contribution / active EE | $56 | $3,319-98.3% | $2,688-97.9% | $4,663-98.8% |
| Participant deferral / active EE | $6,067 | $5,164+17.5% | $4,257+42.5% | $6,689-9.3% |
| Admin fee / account holder | $6,007 | $8,383-28.3% | $6,421-6.4% | $13,390-55.1% |