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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 | $82,620 | $183,539-55.0% | $155,556-46.9% | $145,897-43.4% |
| Participation rate | 63.6% | 82.7%-19.1pp | 78.2%-14.6pp | 80.3%-16.7pp |
| Annual return | 12.81% | 61.31%-48.5pp | 64.84%-52.0pp | 552.29%-539.5pp |
| Employer contribution / active EE | $852 | $5,315-84.0% | $4,675-81.8% | $4,663-81.7% |
| Participant deferral / active EE | $5,658 | $6,467-12.5% | $5,631+0.5% | $6,689-15.4% |
| Admin fee / account holder | $5,738 | $19,275-70.2% | $15,885-63.9% | $13,390-57.1% |