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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 | $39,819 | $115,917-65.6% | $100,535-60.4% | $158,982-75.0% |
| Participation rate | 60.0% | 81.6%-21.6pp | 79.4%-19.4pp | 82.0%-22.0pp |
| Annual return | 23.00% | 34.80%-11.8pp | 30.90%-7.9pp | 302.99%-280.0pp |
| Employer contribution / active EE | $0 | $4,105-100.0% | $3,419-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $4,713 | $6,677-29.4% | $6,271-24.9% | $5,983-21.2% |
| Admin fee / account holder | $615 | $11,002-94.4% | $8,085-92.4% | $11,252-94.5% |