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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 | $53,742 | $79,955-32.8% | $98,461-45.4% | $75,173-28.5% |
| Participation rate | 50.7% | 70.4%-19.6pp | 75.2%-24.4pp | 67.2%-16.5pp |
| Annual return | 17.64% | 19.75%-2.1pp | 21.17%-3.5pp | 160.72%-143.1pp |
| Employer contribution / active EE | $530 | $2,264-76.6% | $3,049-82.6% | $2,671-80.2% |
| Participant deferral / active EE | $2,917 | $3,752-22.3% | $4,738-38.4% | $4,126-29.3% |
| Admin fee / account holder | $5,288 | $6,841-22.7% | $8,961-41.0% | $5,651-6.4% |