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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 | $84,009 | $86,298-2.7% | $111,308-24.5% | $85,847-2.1% |
| Participation rate | 65.0% | 73.3%-8.3pp | 77.3%-12.3pp | 69.3%-4.3pp |
| Annual return | 16.16% | 19.99%-3.8pp | 54.67%-38.5pp | 318.61%-302.5pp |
| Employer contribution / active EE | $514 | $2,044-74.9% | $2,732-81.2% | $2,565-80.0% |
| Participant deferral / active EE | $0 | $3,641-100.0% | $4,487-100.0% | $3,952-100.0% |
| Admin fee / account holder | $966 | $8,189-88.2% | $7,965-87.9% | $6,261-84.6% |