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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 | $65,518 | $101,672-35.6% | $147,117-55.5% | $74,478-12.0% |
| Participation rate | 61.0% | 75.5%-14.6pp | 82.2%-21.2pp | 67.2%-6.3pp |
| Annual return | 59.06% | 8757.83%-8698.8pp | 420.54%-361.5pp | 1370.56%-1311.5pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,932-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $10,979 | $7,305+50.3% | $8,065+36.1% | $4,350+152.4% |
| Admin fee / account holder | $2,212 | $1,753+26.1% | $12,993-83.0% | $1,946+13.7% |