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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 | $107,274 | $117,829-9.0% | $102,423+4.7% | $145,877-26.5% |
| Participation rate | 55.6% | 78.6%-23.1pp | 76.5%-20.9pp | 80.3%-24.7pp |
| Annual return | 11.98% | 31.83%-19.9pp | 29.42%-17.4pp | 551.28%-539.3pp |
| Employer contribution / active EE | $442 | $3,615-87.8% | $3,023-85.4% | $4,663-90.5% |
| Participant deferral / active EE | $2,075 | $5,732-63.8% | $5,054-58.9% | $6,691-69.0% |
| Admin fee / account holder | $11,609 | $13,335-12.9% | $9,455+22.8% | $13,402-13.4% |