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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 | $158,999 | $75,541+110.5% | $152,093+4.5% | $82,637+92.4% |
| Participation rate | 68.9% | 66.5%+2.3pp | 77.8%-8.9pp | 68.1%+0.8pp |
| Annual return | 14.71% | 32.56%-17.8pp | 66.36%-51.6pp | 53.51%-38.8pp |
| Employer contribution / active EE | $236 | $2,622-91.0% | $4,175-94.3% | $2,552-90.7% |
| Participant deferral / active EE | $5,194 | $3,206+62.0% | $5,451-4.7% | $4,126+25.9% |
| Admin fee / account holder | $29,134 | $6,405+354.9% | $14,497+101.0% | $7,339+297.0% |