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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 | $57,960 | $79,181-26.8% | $102,423-43.4% | $74,429-22.1% |
| Participation rate | 48.8% | 74.8%-26.0pp | 76.5%-27.7pp | 67.2%-18.4pp |
| Annual return | 11.22% | 54.97%-43.7pp | 29.42%-18.2pp | 1368.38%-1357.2pp |
| Employer contribution / active EE | $343 | $2,362-85.5% | $3,023-88.6% | $2,625-86.9% |
| Participant deferral / active EE | $2,213 | $4,416-49.9% | $5,054-56.2% | $4,348-49.1% |
| Admin fee / account holder | $9,911 | $2,002+395.1% | $9,455+4.8% | $1,944+409.8% |