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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 | $34,638 | $148,623-76.7% | $135,974-74.5% | $139,466-75.2% |
| Participation rate | 54.5% | 83.9%-29.3pp | 81.9%-27.4pp | 80.3%-25.8pp |
| Annual return | 18.60% | 79.30%-60.7pp | 68.30%-49.7pp | 373.66%-355.1pp |
| Employer contribution / active EE | $745 | $5,246-85.8% | $4,859-84.7% | $4,754-84.3% |
| Participant deferral / active EE | $3,026 | $8,103-62.6% | $7,760-61.0% | $6,712-54.9% |
| Admin fee / account holder | $1,073 | $12,406-91.4% | $10,767-90.0% | $11,409-90.6% |