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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 | $53,977 | $89,259-39.5% | $107,187-49.6% | $82,637-34.7% |
| Participation rate | 54.8% | 67.9%-13.2pp | 75.0%-20.3pp | 68.1%-13.3pp |
| Annual return | 13.09% | 21.02%-7.9pp | 204.55%-191.5pp | 53.51%-40.4pp |
| Employer contribution / active EE | $48 | $3,080-98.5% | $3,782-98.7% | $2,552-98.1% |
| Participant deferral / active EE | $2,342 | $4,037-42.0% | $5,096-54.0% | $4,126-43.2% |
| Admin fee / account holder | $4,818 | $7,381-34.7% | $9,162-47.4% | $7,339-34.4% |