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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 | $90,702 | $185,312-51.1% | $161,489-43.8% | $154,746-41.4% |
| Participation rate | 25.0% | 82.5%-57.5pp | 78.7%-53.7pp | 80.7%-55.7pp |
| Annual return | 20.67% | 103.84%-83.2pp | 89.72%-69.0pp | 172.34%-151.7pp |
| Employer contribution / active EE | $664 | $4,769-86.1% | $4,268-84.5% | $4,379-84.8% |
| Participant deferral / active EE | $4,076 | $6,350-35.8% | $5,630-27.6% | $6,730-39.4% |
| Admin fee / account holder | $650 | $18,654-96.5% | $16,006-95.9% | $14,365-95.5% |