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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 | $13,328 | $96,388-86.2% | $80,627-83.5% | $139,466-90.4% |
| Participation rate | 46.7% | 73.6%-27.0pp | 67.0%-20.3pp | 80.3%-33.7pp |
| Annual return | 17.35% | 1352.08%-1334.7pp | 936.76%-919.4pp | 373.66%-356.3pp |
| Employer contribution / active EE | $0 | $3,260-100.0% | $2,723-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,074 | $5,224-60.3% | $4,443-53.3% | $6,712-69.1% |
| Admin fee / account holder | $620 | $6,603-90.6% | $5,381-88.5% | $11,409-94.6% |