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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 | $77,705 | $81,557-4.7% | $123,973-37.3% | $65,191+19.2% |
| Participation rate | 22.8% | 77.8%-55.0pp | 76.7%-53.8pp | 63.0%-40.2pp |
| Annual return | 14.23% | 11.45%+2.8pp | 388.13%-373.9pp | 51.24%-37.0pp |
| Employer contribution / active EE | $869 | $4,637-81.3% | $4,126-78.9% | $2,400-63.8% |
| Participant deferral / active EE | $1,548 | $2,628-41.1% | $5,247-70.5% | $2,671-42.1% |
| Admin fee / account holder | $3,154 | $1,040+203.4% | $11,799-73.3% | $907+247.8% |