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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 | $70,524 | $154,228-54.3% | $145,433-51.5% | $137,256-48.6% |
| Participation rate | 21.1% | 83.8%-62.7pp | 82.1%-61.1pp | 80.0%-58.9pp |
| Annual return | 22.13% | 74.59%-52.5pp | 66.58%-44.4pp | 220.34%-198.2pp |
| Employer contribution / active EE | $497 | $4,804-89.7% | $4,554-89.1% | $4,156-88.0% |
| Participant deferral / active EE | $2,454 | $8,216-70.1% | $7,897-68.9% | $6,407-61.7% |
| Admin fee / account holder | $579 | $14,344-96.0% | $13,129-95.6% | $12,270-95.3% |