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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 | $115,931+25.0% | $185,441-21.9% | $86,983+66.6% |
| Participation rate | 58.6% | 73.6%-15.0pp | 80.3%-21.6pp | 69.5%-10.9pp |
| Annual return | 12.53% | 21.47%-8.9pp | 20.16%-7.6pp | 25.83%-13.3pp |
| Employer contribution / active EE | $662 | $2,937-77.5% | $4,672-85.8% | $2,584-74.4% |
| Participant deferral / active EE | $3,337 | $4,551-26.7% | $6,152-45.7% | $4,194-20.4% |
| Admin fee / account holder | $1,413 | $10,687-86.8% | $17,890-92.1% | $7,856-82.0% |