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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 | $39,161 | $78,707-50.2% | $117,861-66.8% | $70,126-44.2% |
| Participation rate | 66.2% | 73.2%-7.0pp | 79.7%-13.5pp | 69.5%-3.4pp |
| Annual return | 17.80% | 23.30%-5.5pp | 335.11%-317.3pp | 73.15%-55.4pp |
| Employer contribution / active EE | $300 | $2,223-86.5% | $3,786-92.1% | $2,343-87.2% |
| Participant deferral / active EE | $2,618 | $3,297-20.6% | $4,482-41.6% | $3,332-21.4% |
| Admin fee / account holder | $4,262 | $5,066-15.9% | $8,021-46.9% | $4,645-8.3% |