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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 | $195,223 | $217,392-10.2% | $185,818+5.1% | $167,497+16.6% |
| Participation rate | 60.0% | 86.0%-26.0pp | 81.7%-21.7pp | 82.1%-22.1pp |
| Annual return | 27.50% | 148.37%-120.9pp | 122.06%-94.6pp | 478.62%-451.1pp |
| Employer contribution / active EE | $1,076 | $5,873-81.7% | $5,168-79.2% | $4,838-77.8% |
| Participant deferral / active EE | $4,212 | $6,357-33.7% | $5,568-24.4% | $6,341-33.6% |
| Admin fee / account holder | $1,183 | $19,813-94.0% | $16,239-92.7% | $12,310-90.4% |