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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 | $48,624 | $129,737-62.5% | $119,126-59.2% | $154,746-68.6% |
| Participation rate | 25.0% | 78.9%-53.9pp | 75.8%-50.8pp | 80.7%-55.7pp |
| Annual return | 15.24% | 379.08%-363.8pp | 282.11%-266.9pp | 172.34%-157.1pp |
| Employer contribution / active EE | $805 | $4,375-81.6% | $4,034-80.1% | $4,379-81.6% |
| Participant deferral / active EE | $2,046 | $5,842-65.0% | $5,318-61.5% | $6,730-69.6% |
| Admin fee / account holder | $1,231 | $11,961-89.7% | $10,693-88.5% | $14,365-91.4% |