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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 | $36,032 | $217,427-83.4% | $185,837-80.6% | $167,518-78.5% |
| Participation rate | 55.6% | 86.0%-30.5pp | 81.7%-26.2pp | 82.1%-26.6pp |
| Annual return | 29.36% | 148.39%-119.0pp | 122.08%-92.7pp | 478.71%-449.4pp |
| Employer contribution / active EE | $1,153 | $5,874-80.4% | $5,168-77.7% | $4,838-76.2% |
| Participant deferral / active EE | $5,221 | $6,357-17.9% | $5,568-6.2% | $6,342-17.7% |
| Admin fee / account holder | $459 | $19,816-97.7% | $16,241-97.2% | $12,312-96.3% |