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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 | $50,738 | $110,379-54.0% | $102,412-50.5% | $145,884-65.2% |
| Participation rate | 40.0% | 77.9%-37.9pp | 74.5%-34.5pp | 80.3%-40.3pp |
| Annual return | 11.34% | 24.84%-13.5pp | 24.94%-13.6pp | 551.85%-540.5pp |
| Employer contribution / active EE | $583 | $4,216-86.2% | $3,870-84.9% | $4,662-87.5% |
| Participant deferral / active EE | $2,011 | $5,622-64.2% | $5,060-60.3% | $6,690-69.9% |
| Admin fee / account holder | $2,314 | $9,745-76.3% | $8,388-72.4% | $13,392-82.7% |