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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 | $81,223 | $175,231-53.6% | $149,696-45.7% | $139,466-41.8% |
| Participation rate | 25.0% | 83.4%-58.4pp | 78.8%-53.8pp | 80.3%-55.3pp |
| Annual return | 16.13% | 166.77%-150.6pp | 134.46%-118.3pp | 373.66%-357.5pp |
| Employer contribution / active EE | $403 | $5,478-92.6% | $4,821-91.6% | $4,754-91.5% |
| Participant deferral / active EE | $2,449 | $6,521-62.4% | $5,682-56.9% | $6,712-63.5% |
| Admin fee / account holder | $4,451 | $16,155-72.4% | $13,212-66.3% | $11,409-61.0% |