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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 | $34,698 | $57,057-39.2% | $85,009-59.2% | $80,874-57.1% |
| Participation rate | 41.9% | 56.4%-14.4pp | 67.5%-25.6pp | 67.6%-25.7pp |
| Annual return | 13.27% | 21.66%-8.4pp | 66.47%-53.2pp | 35.62%-22.3pp |
| Employer contribution / active EE | $20 | $1,799-98.9% | $2,728-99.3% | $2,756-99.3% |
| Participant deferral / active EE | $3,793 | $3,112+21.9% | $4,522-16.1% | $4,297-11.7% |
| Admin fee / account holder | $2,802 | $4,986-43.8% | $6,153-54.5% | $6,935-59.6% |