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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 | $46,397 | $58,493-20.7% | $84,021-44.8% | $72,975-36.4% |
| Participation rate | 24.4% | 61.2%-36.8pp | 69.0%-44.6pp | 69.5%-45.1pp |
| Annual return | 22.58% | 28.93%-6.4pp | 71.32%-48.7pp | 81.01%-58.4pp |
| Employer contribution / active EE | $202 | $1,163-82.6% | $1,984-89.8% | $2,440-91.7% |
| Participant deferral / active EE | $1,838 | $2,394-23.2% | $3,239-43.3% | $3,608-49.0% |
| Admin fee / account holder | $2,195 | $4,569-52.0% | $6,102-64.0% | $5,124-57.2% |