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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 | $34,758 | $99,345-65.0% | $84,753-59.0% | $273,972-87.3% |
| Participation rate | 63.6% | 80.7%-17.1pp | 76.6%-13.0pp | 83.0%-19.4pp |
| Annual return | 4.41% | 22.93%-18.5pp | 22.78%-18.4pp | 41.46%-37.0pp |
| Employer contribution / active EE | $354 | $4,214-91.6% | $3,574-90.1% | $4,869-92.7% |
| Participant deferral / active EE | $1,254 | $4,270-70.6% | $3,712-66.2% | $5,287-76.3% |
| Admin fee / account holder | $8,923 | $6,645+34.3% | $5,333+67.3% | $10,133-11.9% |