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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 | $45,824 | $210,908-78.3% | $153,643-70.2% | $145,884-68.6% |
| Participation rate | 28.6% | 82.1%-53.6pp | 77.1%-48.5pp | 80.3%-51.7pp |
| Annual return | 16.35% | 13.46%+2.9pp | 15.71%+0.6pp | 551.85%-535.5pp |
| Employer contribution / active EE | $489 | $6,055-91.9% | $5,039-90.3% | $4,662-89.5% |
| Participant deferral / active EE | $2,852 | $7,976-64.2% | $6,754-57.8% | $6,690-57.4% |
| Admin fee / account holder | $9,044 | $19,477-53.6% | $12,739-29.0% | $13,392-32.5% |