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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 | $165,222 | $211,239-21.8% | $178,528-7.5% | $145,877+13.3% |
| Participation rate | 42.9% | 80.8%-37.9pp | 77.1%-34.2pp | 80.3%-37.4pp |
| Annual return | 19.32% | 30.22%-10.9pp | 27.11%-7.8pp | 551.28%-532.0pp |
| Employer contribution / active EE | $0 | $4,570-100.0% | $3,950-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,507 | $6,963-49.6% | $6,278-44.1% | $6,691-47.6% |
| Admin fee / account holder | $9,473 | $12,095-21.7% | $10,419-9.1% | $13,402-29.3% |