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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 | $180,666 | $162,785+11.0% | $133,959+34.9% | $158,950+13.7% |
| Participation rate | 59.1% | 83.2%-24.1pp | 79.8%-20.7pp | 82.0%-22.9pp |
| Annual return | 15.65% | 41.94%-26.3pp | 45.09%-29.4pp | 302.91%-287.3pp |
| Employer contribution / active EE | $112 | $4,975-97.7% | $3,919-97.1% | $4,762-97.6% |
| Participant deferral / active EE | $6,245 | $5,910+5.7% | $5,047+23.7% | $5,983+4.4% |
| Admin fee / account holder | $78,454 | $11,738+568.4% | $8,928+778.7% | $11,248+597.5% |