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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 | $23,722 | $85,171-72.1% | $172,752-86.3% | $72,975-67.5% |
| Participation rate | 30.3% | 70.1%-39.8pp | 82.6%-52.3pp | 69.5%-39.2pp |
| Annual return | 23.35% | 27.32%-4.0pp | 802.97%-779.6pp | 81.01%-57.7pp |
| Employer contribution / active EE | $335 | $3,324-89.9% | $5,144-93.5% | $2,440-86.3% |
| Participant deferral / active EE | $1,740 | $3,260-46.6% | $5,198-66.5% | $3,608-51.8% |
| Admin fee / account holder | $864 | $5,880-85.3% | $13,955-93.8% | $5,124-83.1% |