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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 | $91,129 | $73,988+23.2% | $96,538-5.6% | $75,177+21.2% |
| Participation rate | 36.3% | 66.4%-30.2pp | 74.3%-38.1pp | 67.2%-31.0pp |
| Annual return | 15.65% | 26.73%-11.1pp | 35.74%-20.1pp | 160.75%-145.1pp |
| Employer contribution / active EE | $225 | $2,930-92.3% | $3,740-94.0% | $2,671-91.6% |
| Participant deferral / active EE | $1,768 | $3,660-51.7% | $4,880-63.8% | $4,126-57.1% |
| Admin fee / account holder | $8,402 | $5,220+61.0% | $6,737+24.7% | $5,651+48.7% |