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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 | $114,258 | $114,119+0.1% | $107,187+6.6% | $138,895-17.7% |
| Participation rate | 26.7% | 78.1%-51.4pp | 75.0%-48.4pp | 79.9%-53.3pp |
| Annual return | 17.44% | 273.21%-255.8pp | 204.55%-187.1pp | 145.39%-128.0pp |
| Employer contribution / active EE | $824 | $4,059-79.7% | $3,782-78.2% | $4,194-80.3% |
| Participant deferral / active EE | $1,826 | $5,538-67.0% | $5,096-64.2% | $6,396-71.4% |
| Admin fee / account holder | $1,228 | $10,024-87.8% | $9,162-86.6% | $12,562-90.2% |