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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 | $96,541 | $124,425-22.4% | $112,040-13.8% | $137,256-29.7% |
| Participation rate | 57.9% | 79.3%-21.4pp | 76.5%-18.6pp | 80.0%-22.1pp |
| Annual return | 34.97% | 24.72%+10.3pp | 24.52%+10.5pp | 220.34%-185.4pp |
| Employer contribution / active EE | $0 | $3,411-100.0% | $2,954-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $7,191 | $5,718+25.8% | $5,098+41.1% | $6,407+12.2% |
| Admin fee / account holder | $23,340 | $15,207+53.5% | $12,098+92.9% | $12,270+90.2% |