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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 | $38,515 | $86,938-55.7% | $102,423-62.4% | $80,925-52.4% |
| Participation rate | 40.6% | 72.4%-31.8pp | 76.5%-35.9pp | 67.7%-27.0pp |
| Annual return | 16.70% | 18.89%-2.2pp | 29.42%-12.7pp | 35.65%-18.9pp |
| Employer contribution / active EE | $684 | $2,369-71.1% | $3,023-77.4% | $2,756-75.2% |
| Participant deferral / active EE | $3,203 | $4,120-22.3% | $5,054-36.6% | $4,299-25.5% |
| Admin fee / account holder | $1,563 | $8,053-80.6% | $9,455-83.5% | $6,940-77.5% |