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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 | $62,696 | $183,627-65.9% | $155,602-59.7% | $145,978-57.1% |
| Participation rate | 58.8% | 82.7%-23.9pp | 78.2%-19.4pp | 80.3%-21.5pp |
| Annual return | 9.59% | 61.32%-51.7pp | 64.81%-55.2pp | 550.52%-540.9pp |
| Employer contribution / active EE | $992 | $5,316-81.3% | $4,675-78.8% | $4,662-78.7% |
| Participant deferral / active EE | $4,268 | $6,466-34.0% | $5,629-24.2% | $6,690-36.2% |
| Admin fee / account holder | $6,182 | $19,327-68.0% | $15,923-61.2% | $13,400-53.9% |