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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 | $79,295 | $198,457-60.0% | $170,435-53.5% | $147,586-46.3% |
| Participation rate | 50.0% | 88.0%-38.0pp | 83.6%-33.6pp | 82.8%-32.8pp |
| Annual return | 19.65% | 257.30%-237.7pp | 205.94%-186.3pp | 578.59%-558.9pp |
| Employer contribution / active EE | $990 | $6,183-84.0% | $5,432-81.8% | $4,876-79.7% |
| Participant deferral / active EE | $3,418 | $5,629-39.3% | $4,939-30.8% | $5,439-37.1% |
| Admin fee / account holder | $811 | $16,852-95.2% | $13,881-94.2% | $10,886-92.6% |