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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 | $50,971 | $78,425-35.0% | $95,956-46.9% | $79,858-36.2% |
| Participation rate | 54.3% | 73.5%-19.2pp | 77.1%-22.8pp | 69.6%-15.3pp |
| Annual return | 12.38% | 19.37%-7.0pp | 91.63%-79.3pp | 31.72%-19.3pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,393 | $3,440-30.4% | $4,167-42.6% | $3,740-36.0% |
| Admin fee / account holder | $2,040 | $5,622-63.7% | $6,797-70.0% | $5,306-61.6% |