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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 | $66,116 | $111,535-40.7% | $105,223-37.2% | $137,256-51.8% |
| Participation rate | 47.8% | 78.1%-30.3pp | 75.0%-27.2pp | 80.0%-32.1pp |
| Annual return | 18.19% | 237.85%-219.7pp | 180.65%-162.5pp | 220.34%-202.1pp |
| Employer contribution / active EE | $461 | $3,939-88.3% | $3,689-87.5% | $4,156-88.9% |
| Participant deferral / active EE | $1,994 | $5,500-63.7% | $5,072-60.7% | $6,407-68.9% |
| Admin fee / account holder | $1,219 | $9,721-87.5% | $8,859-86.2% | $12,270-90.1% |