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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 | $25,730 | $174,379-85.2% | $152,093-83.1% | $138,895-81.5% |
| Participation rate | 68.2% | 81.6%-13.5pp | 77.8%-9.6pp | 79.9%-11.7pp |
| Annual return | 19.97% | 74.86%-54.9pp | 66.36%-46.4pp | 145.39%-125.4pp |
| Employer contribution / active EE | $766 | $4,652-83.5% | $4,175-81.6% | $4,194-81.7% |
| Participant deferral / active EE | $6,239 | $6,159+1.3% | $5,451+14.5% | $6,396-2.5% |
| Admin fee / account holder | $547 | $16,880-96.8% | $14,497-96.2% | $12,562-95.6% |