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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 | $72,891 | $78,197-6.8% | $98,090-25.7% | $82,637-11.8% |
| Participation rate | 37.0% | 77.5%-40.4pp | 81.5%-44.5pp | 68.1%-31.0pp |
| Annual return | 16.62% | 40.25%-23.6pp | 37.05%-20.4pp | 53.51%-36.9pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,206 | $6,636-36.6% | $7,845-46.4% | $4,126+1.9% |
| Admin fee / account holder | $428 | $14,832-97.1% | $11,815-96.4% | $7,339-94.2% |