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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 | $43,983 | $114,712-61.7% | $173,730-74.7% | $87,485-49.7% |
| Participation rate | 34.6% | 73.0%-38.4pp | 79.6%-45.0pp | 68.9%-34.3pp |
| Annual return | 19.78% | 20.18%-0.4pp | 19.96%-0.2pp | 26.06%-6.3pp |
| Employer contribution / active EE | $508 | $2,904-82.5% | $4,577-88.9% | $2,596-80.4% |
| Participant deferral / active EE | $3,173 | $4,642-31.6% | $6,326-49.8% | $4,274-25.7% |
| Admin fee / account holder | $397 | $10,210-96.1% | $17,523-97.7% | $7,775-94.9% |