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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 | $79,468 | $93,345-14.9% | $119,126-33.3% | $87,485-9.2% |
| Participation rate | 52.8% | 68.7%-15.9pp | 75.8%-22.9pp | 68.9%-16.1pp |
| Annual return | 21.63% | 19.08%+2.5pp | 282.11%-260.5pp | 26.06%-4.4pp |
| Employer contribution / active EE | $820 | $3,172-74.2% | $4,034-79.7% | $2,596-68.4% |
| Participant deferral / active EE | $1,819 | $4,099-55.6% | $5,318-65.8% | $4,274-57.4% |
| Admin fee / account holder | $28,337 | $8,039+252.5% | $10,693+165.0% | $7,775+264.5% |