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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 | $34,916 | $124,314-71.9% | $109,163-68.0% | $167,518-79.2% |
| Participation rate | 55.6% | 79.4%-23.9pp | 75.9%-20.3pp | 82.1%-26.6pp |
| Annual return | 13.26% | 26.04%-12.8pp | 25.75%-12.5pp | 478.71%-465.5pp |
| Employer contribution / active EE | $504 | $4,209-88.0% | $3,723-86.5% | $4,838-89.6% |
| Participant deferral / active EE | $1,575 | $5,256-70.0% | $4,654-66.2% | $6,342-75.2% |
| Admin fee / account holder | $1,097 | $7,973-86.2% | $6,754-83.8% | $12,312-91.1% |