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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 | $95,347 | $85,766+11.2% | $136,298-30.0% | $70,126+36.0% |
| Participation rate | 66.1% | 74.2%-8.0pp | 81.9%-15.8pp | 69.5%-3.4pp |
| Annual return | 16.73% | 31.46%-14.7pp | 5156.27%-5139.5pp | 73.15%-56.4pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $8,291 | $5,051+64.1% | $6,247+32.7% | $3,332+148.8% |
| Admin fee / account holder | $6,654 | $5,421+22.8% | $9,244-28.0% | $4,645+43.2% |