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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 | $170,999 | $99,994+71.0% | $146,647+16.6% | $85,851+99.2% |
| Participation rate | 64.9% | 73.1%-8.1pp | 80.1%-15.2pp | 69.3%-4.4pp |
| Annual return | 14.57% | 18.93%-4.4pp | 22.75%-8.2pp | 318.63%-304.1pp |
| Employer contribution / active EE | $1 | $2,559-100.0% | $4,137-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,760 | $4,006-31.1% | $5,506-49.9% | $3,952-30.2% |
| Admin fee / account holder | $11,358 | $7,703+47.4% | $10,281+10.5% | $6,261+81.4% |