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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 | $42,271 | $72,492-41.7% | $87,104-51.5% | $72,975-42.1% |
| Participation rate | 63.9% | 72.8%-8.9pp | 76.9%-12.9pp | 69.5%-5.6pp |
| Annual return | 24.19% | 24.46%-0.3pp | 28.19%-4.0pp | 81.01%-56.8pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,094 | $3,270-35.9% | $4,048-48.3% | $3,608-41.9% |
| Admin fee / account holder | $1,690 | $5,055-66.6% | $7,491-77.4% | $5,124-67.0% |