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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 | $133,183 | $124,314+7.1% | $109,163+22.0% | $167,518-20.5% |
| Participation rate | 36.4% | 79.4%-43.1pp | 75.9%-39.5pp | 82.1%-45.7pp |
| Annual return | 11.55% | 26.04%-14.5pp | 25.75%-14.2pp | 478.71%-467.2pp |
| Employer contribution / active EE | $591 | $4,209-86.0% | $3,723-84.1% | $4,838-87.8% |
| Participant deferral / active EE | $4,464 | $5,256-15.1% | $4,654-4.1% | $6,342-29.6% |
| Admin fee / account holder | $2,648 | $7,973-66.8% | $6,754-60.8% | $12,312-78.5% |