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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 | $88,507 | $72,404+22.2% | $110,243-19.7% | $64,173+37.9% |
| Participation rate | 68.6% | 73.3%-4.8pp | 79.8%-11.3pp | 69.6%-1.0pp |
| Annual return | 9.30% | -6.29%+15.6pp | 314.76%-305.5pp | 7.63%+1.7pp |
| Employer contribution / active EE | $334 | $2,282-85.4% | $3,827-91.3% | $2,381-86.0% |
| Participant deferral / active EE | $1,967 | $3,469-43.3% | $4,672-57.9% | $3,470-43.3% |
| Admin fee / account holder | $896 | $5,664-84.2% | $8,548-89.5% | $4,887-81.7% |