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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 | $22,938 | $76,407-70.0% | $150,298-84.7% | $82,448-72.2% |
| Participation rate | 54.4% | 66.4%-12.0pp | 77.8%-23.3pp | 68.1%-13.6pp |
| Annual return | 18.55% | 39.99%-21.4pp | 62.79%-44.2pp | 41.64%-23.1pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,899 | $3,214-9.8% | $5,453-46.8% | $4,139-30.0% |
| Admin fee / account holder | $398 | $6,352-93.7% | $14,116-97.2% | $7,234-94.5% |