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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 | $33,472 | $106,008-68.4% | $92,240-63.7% | $147,586-77.3% |
| Participation rate | 23.5% | 80.4%-56.9pp | 76.5%-53.0pp | 82.8%-59.3pp |
| Annual return | 17.87% | 50.05%-32.2pp | 176.29%-158.4pp | 578.59%-560.7pp |
| Employer contribution / active EE | $320 | $4,333-92.6% | $3,680-91.3% | $4,876-93.4% |
| Participant deferral / active EE | $2,307 | $4,478-48.5% | $3,897-40.8% | $5,439-57.6% |
| Admin fee / account holder | $1,511 | $6,333-76.1% | $5,194-70.9% | $10,886-86.1% |