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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 | $14,915 | $55,446-73.1% | $155,574-90.4% | $74,429-80.0% |
| Participation rate | 38.9% | 61.9%-23.0pp | 78.2%-39.3pp | 67.2%-28.3pp |
| Annual return | 16.84% | 269.20%-252.4pp | 64.87%-48.0pp | 1368.38%-1351.5pp |
| Employer contribution / active EE | $204 | $2,266-91.0% | $4,676-95.6% | $2,625-92.2% |
| Participant deferral / active EE | $960 | $2,836-66.1% | $5,629-82.9% | $4,348-77.9% |
| Admin fee / account holder | $559 | $1,743-67.9% | $15,914-96.5% | $1,944-71.2% |