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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 | $68,221 | $227,633-70.0% | $189,597-64.0% | $167,553-59.3% |
| Participation rate | 9.5% | 82.5%-73.0pp | 78.4%-68.9pp | 82.1%-72.6pp |
| Annual return | 56.03% | 78.45%-22.4pp | 64.20%-8.2pp | 478.89%-422.9pp |
| Employer contribution / active EE | $64 | $5,317-98.8% | $4,412-98.6% | $4,840-98.7% |
| Participant deferral / active EE | $1,589 | $7,003-77.3% | $6,174-74.3% | $6,343-74.9% |
| Admin fee / account holder | $962 | $11,879-91.9% | $9,807-90.2% | $12,316-92.2% |