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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 | $69,197 | $174,379-60.3% | $152,093-54.5% | $138,895-50.2% |
| Participation rate | 60.9% | 81.6%-20.8pp | 77.8%-16.9pp | 79.9%-19.0pp |
| Annual return | 44.37% | 74.86%-30.5pp | 66.36%-22.0pp | 145.39%-101.0pp |
| Employer contribution / active EE | $261 | $4,652-94.4% | $4,175-93.7% | $4,194-93.8% |
| Participant deferral / active EE | $2,934 | $6,159-52.4% | $5,451-46.2% | $6,396-54.1% |
| Admin fee / account holder | $956 | $16,880-94.3% | $14,497-93.4% | $12,562-92.4% |