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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 | $36,292 | $111,830-67.5% | $93,696-61.3% | $145,884-75.1% |
| Participation rate | 69.2% | 74.2%-5.0pp | 68.7%+0.5pp | 80.3%-11.1pp |
| Annual return | 48.59% | 204.08%-155.5pp | 133.74%-85.2pp | 551.85%-503.3pp |
| Employer contribution / active EE | $0 | $3,093-100.0% | $2,422-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,535 | $4,920-48.5% | $4,417-42.6% | $6,690-62.1% |
| Admin fee / account holder | $425 | $10,249-95.9% | $8,287-94.9% | $13,392-96.8% |