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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 | $75,131 | $70,684+6.3% | $169,397-55.6% | $75,177-0.1% |
| Participation rate | 49.0% | 64.8%-15.8pp | 77.2%-28.2pp | 67.2%-18.2pp |
| Annual return | 24.68% | 36.38%-11.7pp | 406.23%-381.6pp | 160.75%-136.1pp |
| Employer contribution / active EE | $0 | $2,211-100.0% | $4,013-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $6,867 | $4,310+59.3% | $6,223+10.4% | $4,126+66.4% |
| Admin fee / account holder | $4,907 | $5,404-9.2% | $9,017-45.6% | $5,651-13.2% |