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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 | $17,315 | $88,754-80.5% | $81,820-78.8% | $145,877-88.1% |
| Participation rate | 54.5% | 75.1%-20.5pp | 72.4%-17.8pp | 80.3%-25.8pp |
| Annual return | 17.53% | 1031.77%-1014.2pp | 777.93%-760.4pp | 551.28%-533.8pp |
| Employer contribution / active EE | $329 | $3,085-89.3% | $2,915-88.7% | $4,663-92.9% |
| Participant deferral / active EE | $867 | $4,648-81.3% | $4,323-79.9% | $6,691-87.0% |
| Admin fee / account holder | $719 | $8,424-91.5% | $7,391-90.3% | $13,402-94.6% |