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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 | $17,193 | $49,255-65.1% | $70,494-75.6% | $79,856-78.5% |
| Participation rate | 51.4% | 69.2%-17.7pp | 75.1%-23.6pp | 69.6%-18.2pp |
| Annual return | 9.52% | 30.10%-20.6pp | 109.16%-99.6pp | 31.71%-22.2pp |
| Employer contribution / active EE | $274 | $2,100-86.9% | $2,738-90.0% | $2,471-88.9% |
| Participant deferral / active EE | $1,575 | $2,768-43.1% | $3,711-57.6% | $3,741-57.9% |
| Admin fee / account holder | $355 | $2,879-87.7% | $3,848-90.8% | $5,306-93.3% |