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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 | $32,801 | $162,136-79.8% | $152,301-78.5% | $154,746-78.8% |
| Participation rate | 5.9% | 84.1%-78.2pp | 82.4%-76.6pp | 80.7%-74.8pp |
| Annual return | 27.81% | 91.02%-63.2pp | 80.50%-52.7pp | 172.34%-144.5pp |
| Employer contribution / active EE | $573 | $4,890-88.3% | $4,624-87.6% | $4,379-86.9% |
| Participant deferral / active EE | $3,303 | $8,341-60.4% | $8,004-58.7% | $6,730-50.9% |
| Admin fee / account holder | $6,965 | $15,759-55.8% | $14,398-51.6% | $14,365-51.5% |