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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 | $36,431 | $29,736+22.5% | $56,033-35.0% | $80,935-55.0% |
| Participation rate | 39.2% | 41.7%-2.5pp | 52.5%-13.3pp | 67.7%-28.4pp |
| Annual return | 16.64% | 35.28%-18.6pp | 1711.38%-1694.7pp | 35.66%-19.0pp |
| Employer contribution / active EE | -$117 | $671-117.4% | $1,041-111.2% | $2,757-104.2% |
| Participant deferral / active EE | $1,873 | $1,228+52.4% | $1,954-4.2% | $4,299-56.4% |
| Admin fee / account holder | $4,394 | $2,434+80.6% | $2,827+55.4% | $6,924-36.5% |