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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 | $38,844 | $64,359-39.6% | $90,161-56.9% | $70,126-44.6% |
| Participation rate | 53.1% | 70.4%-17.3pp | 76.9%-23.7pp | 69.5%-16.4pp |
| Annual return | 16.58% | 28.13%-11.6pp | 34.89%-18.3pp | 73.15%-56.6pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $5,419 | $4,389+23.5% | $5,287+2.5% | $3,332+62.6% |
| Admin fee / account holder | $4,474 | $3,945+13.4% | $5,943-24.7% | $4,645-3.7% |