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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 | $66,957 | $67,606-1.0% | $82,313-18.7% | $70,131-4.5% |
| Participation rate | 46.4% | 72.8%-26.3pp | 76.9%-30.5pp | 69.5%-23.1pp |
| Annual return | 20.27% | 21.57%-1.3pp | 25.88%-5.6pp | 73.14%-52.9pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,410 | $2,987-52.8% | $3,706-61.9% | $3,332-57.7% |
| Admin fee / account holder | $652 | $4,512-85.6% | $5,608-88.4% | $4,645-86.0% |