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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 | $46,526 | $76,407-39.1% | $150,298-69.0% | $82,448-43.6% |
| Participation rate | 40.0% | 66.4%-26.4pp | 77.8%-37.8pp | 68.1%-28.1pp |
| Annual return | 18.26% | 39.99%-21.7pp | 62.79%-44.5pp | 41.64%-23.4pp |
| Employer contribution / active EE | $97 | $2,614-96.3% | $4,154-97.7% | $2,551-96.2% |
| Participant deferral / active EE | $1,896 | $3,214-41.0% | $5,453-65.2% | $4,139-54.2% |
| Admin fee / account holder | $7,856 | $6,352+23.7% | $14,116-44.3% | $7,234+8.6% |