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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 | $54,353 | $78,423-30.7% | $95,964-43.4% | $79,856-31.9% |
| Participation rate | 69.4% | 73.5%-4.0pp | 77.1%-7.6pp | 69.6%-0.2pp |
| Annual return | 10.94% | 19.37%-8.4pp | 91.64%-80.7pp | 31.71%-20.8pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,680 | $3,440-51.2% | $4,167-59.7% | $3,741-55.1% |
| Admin fee / account holder | $743 | $5,622-86.8% | $6,797-89.1% | $5,306-86.0% |