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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 | $32,623 | $66,764-51.1% | $88,497-63.1% | $62,881-48.1% |
| Participation rate | 46.8% | 77.3%-30.5pp | 82.4%-35.6pp | 69.3%-22.5pp |
| Annual return | 7.51% | 10.37%-2.9pp | 7.63%-0.1pp | 20.14%-12.6pp |
| Employer contribution / active EE | $284 | $3,077-90.8% | $4,036-93.0% | $2,281-87.5% |
| Participant deferral / active EE | $1,860 | $3,976-53.2% | $4,899-62.0% | $3,203-41.9% |
| Admin fee / account holder | $13,129 | $4,668+181.3% | $6,220+111.1% | $4,296+205.6% |