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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 | $23,874 | $211,946-88.7% | $169,452-85.9% | $135,382-82.4% |
| Participation rate | 16.7% | 82.6%-66.0pp | 77.8%-61.1pp | 82.6%-66.0pp |
| Annual return | 0.53% | 3.26%-2.7pp | 1.83%-1.3pp | 519.77%-519.2pp |
| Employer contribution / active EE | $192 | $5,117-96.2% | $4,157-95.4% | $4,779-96.0% |
| Participant deferral / active EE | $1,871 | $6,075-69.2% | $5,277-64.5% | $5,609-66.6% |
| Admin fee / account holder | $2,901 | $11,472-74.7% | $9,110-68.2% | $10,829-73.2% |