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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 | $68,395 | $213,785-68.0% | $185,441-63.1% | $155,188-55.9% |
| Participation rate | 35.0% | 83.2%-48.2pp | 80.3%-45.3pp | 80.8%-45.8pp |
| Annual return | 12.51% | 19.97%-7.5pp | 20.16%-7.7pp | 148.84%-136.3pp |
| Employer contribution / active EE | $1,100 | $5,393-79.6% | $4,672-76.5% | $4,248-74.1% |
| Participant deferral / active EE | $2,710 | $6,864-60.5% | $6,152-56.0% | $6,531-58.5% |
| Admin fee / account holder | $20,598 | $21,134-2.5% | $17,890+15.1% | $14,480+42.3% |