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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 | $62,557 | $154,228-59.4% | $145,433-57.0% | $137,256-54.4% |
| Participation rate | 35.3% | 83.8%-48.5pp | 82.1%-46.8pp | 80.0%-44.7pp |
| Annual return | 13.47% | 74.59%-61.1pp | 66.58%-53.1pp | 220.34%-206.9pp |
| Employer contribution / active EE | $626 | $4,804-87.0% | $4,554-86.3% | $4,156-84.9% |
| Participant deferral / active EE | $3,071 | $8,216-62.6% | $7,897-61.1% | $6,407-52.1% |
| Admin fee / account holder | $28,494 | $14,344+98.7% | $13,129+117.0% | $12,270+132.2% |