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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 | $103,669 | $201,344-48.5% | $184,243-43.7% | $145,877-28.9% |
| Participation rate | 45.5% | 87.5%-42.0pp | 86.8%-41.4pp | 80.3%-34.8pp |
| Annual return | 31.64% | 29.01%+2.6pp | 28.82%+2.8pp | 551.28%-519.6pp |
| Employer contribution / active EE | $0 | $7,022-100.0% | $6,427-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $4,890 | $9,807-50.1% | $9,132-46.4% | $6,691-26.9% |
| Admin fee / account holder | $44,083 | $16,382+169.1% | $13,914+216.8% | $13,402+228.9% |