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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 | $42,110 | $95,453-55.9% | $112,040-62.4% | $82,448-48.9% |
| Participation rate | 45.2% | 72.8%-27.6pp | 76.5%-31.3pp | 68.1%-22.9pp |
| Annual return | 13.01% | 23.92%-10.9pp | 24.52%-11.5pp | 41.64%-28.6pp |
| Employer contribution / active EE | $335 | $2,318-85.5% | $2,954-88.7% | $2,551-86.9% |
| Participant deferral / active EE | $2,449 | $4,224-42.0% | $5,098-52.0% | $4,139-40.8% |
| Admin fee / account holder | $1,947 | $9,013-78.4% | $12,098-83.9% | $7,234-73.1% |