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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 | $27,709 | $52,279-47.0% | $89,435-69.0% | $79,856-65.3% |
| Participation rate | 57.6% | 57.5%+0.1pp | 68.0%-10.4pp | 69.6%-12.0pp |
| Annual return | 19.84% | 22.16%-2.3pp | 245.55%-225.7pp | 31.71%-11.9pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,587-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,101 | $2,740-59.8% | $3,890-71.7% | $3,741-70.6% |
| Admin fee / account holder | $1,925 | $3,356-42.6% | $4,884-60.6% | $5,306-63.7% |