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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 | $56,609 | $72,273-21.7% | $101,275-44.1% | $79,856-29.1% |
| Participation rate | 44.4% | 68.5%-24.0pp | 75.8%-31.4pp | 69.6%-25.2pp |
| Annual return | 10.93% | 22.30%-11.4pp | 46.48%-35.6pp | 31.71%-20.8pp |
| Employer contribution / active EE | $593 | $2,691-78.0% | $3,660-83.8% | $2,471-76.0% |
| Participant deferral / active EE | $2,615 | $3,282-20.3% | $4,371-40.2% | $3,741-30.1% |
| Admin fee / account holder | $3,218 | $4,401-26.9% | $5,948-45.9% | $5,306-39.3% |