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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 | $198,731 | $78,672+152.6% | $109,163+82.0% | $85,856+131.5% |
| Participation rate | 39.3% | 68.3%-28.9pp | 75.9%-36.6pp | 69.3%-30.0pp |
| Annual return | 18.39% | 25.09%-6.7pp | 25.75%-7.4pp | 318.58%-300.2pp |
| Employer contribution / active EE | $421 | $2,734-84.6% | $3,723-88.7% | $2,565-83.6% |
| Participant deferral / active EE | $2,400 | $3,467-30.8% | $4,654-48.4% | $3,952-39.3% |
| Admin fee / account holder | $4,602 | $5,470-15.9% | $6,754-31.9% | $6,261-26.5% |