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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 | $70,657 | $94,031-24.9% | $115,768-39.0% | $82,448-14.3% |
| Participation rate | 67.6% | 70.4%-2.8pp | 74.4%-6.8pp | 68.1%-0.5pp |
| Annual return | 12.53% | 20.61%-8.1pp | 100.46%-87.9pp | 41.64%-29.1pp |
| Employer contribution / active EE | $41 | $2,323-98.2% | $2,940-98.6% | $2,551-98.4% |
| Participant deferral / active EE | $2,095 | $3,972-47.2% | $4,917-57.4% | $4,139-49.4% |
| Admin fee / account holder | $13,515 | $10,249+31.9% | $12,439+8.6% | $7,234+86.8% |