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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 | $140,429 | $72,273+94.3% | $101,275+38.7% | $79,856+75.9% |
| Participation rate | 33.3% | 68.5%-35.1pp | 75.8%-42.5pp | 69.6%-36.3pp |
| Annual return | 24.90% | 22.30%+2.6pp | 46.48%-21.6pp | 31.71%-6.8pp |
| Employer contribution / active EE | $547 | $2,691-79.7% | $3,660-85.0% | $2,471-77.8% |
| Participant deferral / active EE | $2,232 | $3,282-32.0% | $4,371-48.9% | $3,741-40.3% |
| Admin fee / account holder | $22,716 | $4,401+416.1% | $5,948+281.9% | $5,306+328.1% |