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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 | $116,022 | $154,228-24.8% | $145,433-20.2% | $137,256-15.5% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.5pp | 80.0%-13.3pp |
| Annual return | 16.99% | 74.59%-57.6pp | 66.58%-49.6pp | 220.34%-203.4pp |
| Employer contribution / active EE | $390 | $4,804-91.9% | $4,554-91.4% | $4,156-90.6% |
| Participant deferral / active EE | $11,985 | $8,216+45.9% | $7,897+51.8% | $6,407+87.1% |
| Admin fee / account holder | $487 | $14,344-96.6% | $13,129-96.3% | $12,270-96.0% |