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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 | $54,992 | $55,423-0.8% | $155,602-64.7% | $74,400-26.1% |
| Participation rate | 27.0% | 61.9%-34.9pp | 78.2%-51.2pp | 67.2%-40.2pp |
| Annual return | 12.88% | 269.07%-256.2pp | 64.81%-51.9pp | 1367.51%-1354.6pp |
| Employer contribution / active EE | $156 | $2,266-93.1% | $4,675-96.7% | $2,624-94.1% |
| Participant deferral / active EE | $2,227 | $2,835-21.4% | $5,629-60.4% | $4,348-48.8% |
| Admin fee / account holder | $544 | $1,744-68.8% | $15,923-96.6% | $1,944-72.0% |