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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 | $43,393 | $175,259-75.2% | $149,723-71.0% | $139,487-68.9% |
| Participation rate | 60.0% | 83.4%-23.4pp | 78.8%-18.8pp | 80.3%-20.3pp |
| Annual return | 25.76% | 166.82%-141.1pp | 134.50%-108.7pp | 373.84%-348.1pp |
| Employer contribution / active EE | $128 | $5,478-97.7% | $4,821-97.3% | $4,755-97.3% |
| Participant deferral / active EE | $10,143 | $6,522+55.5% | $5,682+78.5% | $6,713+51.1% |
| Admin fee / account holder | $365 | $16,158-97.7% | $13,215-97.2% | $11,407-96.8% |