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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 | $42,332 | $115,814-63.4% | $101,275-58.2% | $158,982-73.4% |
| Participation rate | 16.7% | 79.4%-62.7pp | 75.8%-59.1pp | 82.0%-65.3pp |
| Annual return | 133.50% | 56.16%+77.3pp | 46.48%+87.0pp | 302.99%-169.5pp |
| Employer contribution / active EE | $285 | $4,176-93.2% | $3,660-92.2% | $4,763-94.0% |
| Participant deferral / active EE | $1,654 | $4,958-66.6% | $4,371-62.2% | $5,983-72.4% |
| Admin fee / account holder | $485 | $7,249-93.3% | $5,948-91.8% | $11,252-95.7% |