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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 | $43,033 | $30,385+41.6% | $56,054-23.2% | $74,400-42.2% |
| Participation rate | 9.6% | 32.9%-23.3pp | 52.5%-42.9pp | 67.2%-57.6pp |
| Annual return | 24.85% | 24.92%-0.1pp | 1705.95%-1681.1pp | 1367.51%-1342.7pp |
| Employer contribution / active EE | $63 | $609-89.7% | $1,039-94.0% | $2,624-97.6% |
| Participant deferral / active EE | $556 | $1,174-52.6% | $1,952-71.5% | $4,348-87.2% |
| Admin fee / account holder | $6,171 | $2,361+161.4% | $2,822+118.6% | $1,944+217.5% |