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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 | $36,509 | $77,962-53.2% | $178,540-79.6% | $80,935-54.9% |
| Participation rate | 45.1% | 65.7%-20.6pp | 77.1%-32.0pp | 67.7%-22.6pp |
| Annual return | 12.40% | 18.10%-5.7pp | 27.15%-14.8pp | 35.66%-23.3pp |
| Employer contribution / active EE | $352 | $2,280-84.6% | $3,953-91.1% | $2,757-87.2% |
| Participant deferral / active EE | $2,351 | $4,404-46.6% | $6,281-62.6% | $4,299-45.3% |
| Admin fee / account holder | $8,740 | $7,156+22.1% | $10,424-16.2% | $6,924+26.2% |