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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 | $82,999 | $76,107+9.1% | $96,576-14.1% | $71,495+16.1% |
| Participation rate | 69.7% | 74.4%-4.7pp | 76.0%-6.3pp | 67.9%+1.8pp |
| Annual return | 20.48% | 22.81%-2.3pp | 25.87%-5.4pp | 28.85%-8.4pp |
| Employer contribution / active EE | $634 | $2,247-71.8% | $2,965-78.6% | $2,589-75.5% |
| Participant deferral / active EE | $4,055 | $4,218-3.9% | $4,851-16.4% | $4,291-5.5% |
| Admin fee / account holder | $1,329 | $2,708-50.9% | $8,253-83.9% | $1,588-16.3% |