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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 | $42,745 | $79,700-46.4% | $153,643-72.2% | $74,459-42.6% |
| Participation rate | 40.6% | 69.8%-29.2pp | 77.1%-36.5pp | 67.2%-26.6pp |
| Annual return | 19.61% | 15.07%+4.5pp | 15.71%+3.9pp | 1369.70%-1350.1pp |
| Employer contribution / active EE | $1,078 | $4,016-73.2% | $5,039-78.6% | $2,626-59.0% |
| Participant deferral / active EE | $2,918 | $5,315-45.1% | $6,754-56.8% | $4,350-32.9% |
| Admin fee / account holder | $3,636 | $1,790+103.2% | $12,739-71.5% | $1,945+86.9% |