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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 | $107,221 | $183,516-41.6% | $155,534-31.1% | $145,884-26.5% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 16.04% | 61.43%-45.4pp | 64.92%-48.9pp | 551.85%-535.8pp |
| Employer contribution / active EE | $667 | $5,315-87.5% | $4,675-85.7% | $4,662-85.7% |
| Participant deferral / active EE | $7,500 | $6,467+16.0% | $5,630+33.2% | $6,690+12.1% |
| Admin fee / account holder | $940 | $19,293-95.1% | $15,900-94.1% | $13,392-93.0% |