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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 | $28,660 | $114,013-74.9% | $103,693-72.4% | $155,188-81.5% |
| Participation rate | 38.5% | 75.2%-36.7pp | 72.6%-34.2pp | 80.8%-42.3pp |
| Annual return | 16.67% | 49.31%-32.6pp | 47.61%-30.9pp | 148.84%-132.2pp |
| Employer contribution / active EE | $0 | $3,131-100.0% | $2,920-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,233 | $4,970-75.2% | $4,579-73.1% | $6,531-81.1% |
| Admin fee / account holder | $499 | $8,407-94.1% | $7,858-93.6% | $14,480-96.6% |