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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 | $144,905 | $114,712+26.3% | $173,730-16.6% | $87,485+65.6% |
| Participation rate | 58.6% | 73.0%-14.4pp | 79.6%-21.0pp | 68.9%-10.3pp |
| Annual return | 12.53% | 20.18%-7.6pp | 19.96%-7.4pp | 26.06%-13.5pp |
| Employer contribution / active EE | $662 | $2,904-77.2% | $4,577-85.5% | $2,596-74.5% |
| Participant deferral / active EE | $3,337 | $4,642-28.1% | $6,326-47.2% | $4,274-21.9% |
| Admin fee / account holder | $1,413 | $10,210-86.2% | $17,523-91.9% | $7,775-81.8% |