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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 | $97,549 | $77,460+25.9% | $100,378-2.8% | $80,925+20.5% |
| Participation rate | 65.0% | 76.9%-11.9pp | 81.5%-16.5pp | 67.7%-2.7pp |
| Annual return | 12.74% | 37.24%-24.5pp | 49.41%-36.7pp | 35.65%-22.9pp |
| Employer contribution / active EE | $0 | $2,801-100.0% | $3,942-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $9,232 | $6,818+35.4% | $8,087+14.2% | $4,299+114.8% |
| Admin fee / account holder | $16,368 | $5,887+178.0% | $7,899+107.2% | $6,940+135.8% |