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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 | $134,545 | $106,923+25.8% | $84,023+60.1% | $152,909-12.0% |
| Participation rate | 30.0% | 75.3%-45.3pp | 69.0%-39.0pp | 82.5%-52.5pp |
| Annual return | 15.86% | 105.02%-89.2pp | 71.32%-55.5pp | 345.46%-329.6pp |
| Employer contribution / active EE | $0 | $2,735-100.0% | $1,984-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,008 | $4,013-50.0% | $3,239-38.0% | $5,851-65.7% |
| Admin fee / account holder | $94,474 | $8,289+1039.8% | $6,102+1448.2% | $11,601+714.4% |