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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 | $39,980 | $180,028-77.8% | $138,135-71.1% | $158,966-74.9% |
| Participation rate | 66.7% | 82.2%-15.6pp | 78.7%-12.0pp | 82.0%-15.3pp |
| Annual return | 16.14% | 21.68%-5.5pp | 20.51%-4.4pp | 302.95%-286.8pp |
| Employer contribution / active EE | $682 | $7,470-90.9% | $5,587-87.8% | $4,762-85.7% |
| Participant deferral / active EE | $5,930 | $7,717-23.2% | $6,431-7.8% | $5,983-0.9% |
| Admin fee / account holder | $8,755 | $17,912-51.1% | $11,856-26.2% | $11,250-22.2% |