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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 | $48,180 | $93,598-48.5% | $135,974-64.6% | $75,173-35.9% |
| Participation rate | 51.0% | 75.2%-24.2pp | 81.9%-30.9pp | 67.2%-16.2pp |
| Annual return | 263.73% | 30.89%+232.8pp | 68.30%+195.4pp | 160.72%+103.0pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $9,259 | $6,405+44.5% | $7,760+19.3% | $4,126+124.4% |
| Admin fee / account holder | $1,258 | $6,978-82.0% | $10,767-88.3% | $5,651-77.7% |