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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 | $74,568 | $138,385-46.1% | $184,243-59.5% | $80,925-7.9% |
| Participation rate | 41.4% | 83.9%-42.5pp | 86.8%-45.4pp | 67.7%-26.3pp |
| Annual return | 12.68% | 20.02%-7.3pp | 28.82%-16.1pp | 35.65%-23.0pp |
| Employer contribution / active EE | $1,001 | $4,851-79.4% | $6,427-84.4% | $2,756-63.7% |
| Participant deferral / active EE | $4,197 | $7,075-40.7% | $9,132-54.0% | $4,299-2.4% |
| Admin fee / account holder | $1,542 | $10,489-85.3% | $13,914-88.9% | $6,940-77.8% |