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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 | $71,812 | $198,457-63.8% | $170,435-57.9% | $147,586-51.3% |
| Participation rate | 60.0% | 88.0%-28.0pp | 83.6%-23.6pp | 82.8%-22.8pp |
| Annual return | 17.78% | 257.30%-239.5pp | 205.94%-188.2pp | 578.59%-560.8pp |
| Employer contribution / active EE | $150 | $6,183-97.6% | $5,432-97.2% | $4,876-96.9% |
| Participant deferral / active EE | $6,464 | $5,629+14.8% | $4,939+30.9% | $5,439+18.9% |
| Admin fee / account holder | $12,946 | $16,852-23.2% | $13,881-6.7% | $10,886+18.9% |