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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 | $76,391 | $183,539-58.4% | $155,556-50.9% | $145,897-47.6% |
| Participation rate | 54.5% | 82.7%-28.2pp | 78.2%-23.7pp | 80.3%-25.8pp |
| Annual return | 14.00% | 61.31%-47.3pp | 64.84%-50.8pp | 552.29%-538.3pp |
| Employer contribution / active EE | $861 | $5,315-83.8% | $4,675-81.6% | $4,663-81.5% |
| Participant deferral / active EE | $3,181 | $6,467-50.8% | $5,631-43.5% | $6,689-52.4% |
| Admin fee / account holder | $1,506 | $19,275-92.2% | $15,885-90.5% | $13,390-88.8% |