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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 | $57,000 | $64,010-11.0% | $108,359-47.4% | $64,340-11.4% |
| Participation rate | 28.4% | 49.4%-20.9pp | 70.1%-41.7pp | 55.2%-26.8pp |
| Annual return | 15.55% | 19.74%-4.2pp | 36.89%-21.3pp | 24.14%-8.6pp |
| Employer contribution / active EE | $161 | $1,029-84.4% | $2,399-93.3% | $1,862-91.4% |
| Participant deferral / active EE | $1,609 | $2,395-32.8% | $4,137-61.1% | $2,980-46.0% |
| Admin fee / account holder | $3,414 | $4,885-30.1% | $9,741-65.0% | $3,703-7.8% |