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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 | $60,075 | $96,361-37.7% | $80,607-25.5% | $139,456-56.9% |
| Participation rate | 36.4% | 73.6%-37.3pp | 67.0%-30.6pp | 80.3%-44.0pp |
| Annual return | 17.31% | 1350.95%-1333.6pp | 936.11%-918.8pp | 373.45%-356.1pp |
| Employer contribution / active EE | $0 | $3,262-100.0% | $2,724-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $9,188 | $5,232+75.6% | $4,448+106.6% | $6,711+36.9% |
| Admin fee / account holder | $15,032 | $6,601+127.7% | $5,379+179.5% | $11,407+31.8% |