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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 | $48,887 | $217,432-77.5% | $185,851-73.7% | $167,553-70.8% |
| Participation rate | 58.8% | 86.1%-27.2pp | 81.7%-22.9pp | 82.1%-23.3pp |
| Annual return | 14.42% | 148.43%-134.0pp | 122.11%-107.7pp | 478.89%-464.5pp |
| Employer contribution / active EE | $1,124 | $5,874-80.9% | $5,168-78.2% | $4,840-76.8% |
| Participant deferral / active EE | $2,833 | $6,357-55.4% | $5,569-49.1% | $6,343-55.3% |
| Admin fee / account holder | $458 | $19,820-97.7% | $16,245-97.2% | $12,316-96.3% |