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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 | $57,035 | $183,516-68.9% | $155,534-63.3% | $145,884-60.9% |
| Participation rate | 25.0% | 82.7%-57.7pp | 78.2%-53.2pp | 80.3%-55.3pp |
| Annual return | 11.76% | 61.43%-49.7pp | 64.92%-53.2pp | 551.85%-540.1pp |
| Employer contribution / active EE | $628 | $5,315-88.2% | $4,675-86.6% | $4,662-86.5% |
| Participant deferral / active EE | $3,457 | $6,467-46.5% | $5,630-38.6% | $6,690-48.3% |
| Admin fee / account holder | $688 | $19,293-96.4% | $15,900-95.7% | $13,392-94.9% |