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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 | $50,806 | $174,379-70.9% | $152,093-66.6% | $138,895-63.4% |
| Participation rate | 44.4% | 81.6%-37.2pp | 77.8%-33.3pp | 79.9%-35.5pp |
| Annual return | 13.26% | 74.86%-61.6pp | 66.36%-53.1pp | 145.39%-132.1pp |
| Employer contribution / active EE | $443 | $4,652-90.5% | $4,175-89.4% | $4,194-89.4% |
| Participant deferral / active EE | $2,939 | $6,159-52.3% | $5,451-46.1% | $6,396-54.1% |
| Admin fee / account holder | $2,031 | $16,880-88.0% | $14,497-86.0% | $12,562-83.8% |