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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 | $117,361 | $84,236+39.3% | $170,435-31.1% | $70,126+67.4% |
| Participation rate | 67.2% | 70.8%-3.6pp | 83.6%-16.4pp | 69.5%-2.3pp |
| Annual return | 22.50% | 23.06%-0.6pp | 205.94%-183.4pp | 73.15%-50.7pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,567 | $3,086-16.8% | $4,939-48.0% | $3,332-23.0% |
| Admin fee / account holder | $4,692 | $5,698-17.7% | $13,881-66.2% | $4,645+1.0% |