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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 | $79,222 | $89,370-11.4% | $141,197-43.9% | $72,976+8.6% |
| Participation rate | 66.7% | 75.1%-8.5pp | 82.5%-15.8pp | 69.5%-2.8pp |
| Annual return | 20.72% | 111.88%-91.2pp | 71.41%-50.7pp | 81.02%-60.3pp |
| Employer contribution / active EE | $609 | $3,115-80.4% | $4,736-87.1% | $2,440-75.0% |
| Participant deferral / active EE | $5,356 | $5,419-1.1% | $6,710-20.2% | $3,608+48.5% |
| Admin fee / account holder | $5,975 | $5,957+0.3% | $10,265-41.8% | $5,124+16.6% |