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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 | $183,143 | $176,105+4.0% | $159,474+14.8% | $167,536+9.3% |
| Participation rate | 53.3% | 85.0%-31.6pp | 82.8%-29.5pp | 82.1%-28.8pp |
| Annual return | 14.89% | 331.91%-317.0pp | 263.68%-248.8pp | 478.82%-463.9pp |
| Employer contribution / active EE | $286 | $5,299-94.6% | $4,831-94.1% | $4,839-94.1% |
| Participant deferral / active EE | $7,154 | $7,751-7.7% | $7,353-2.7% | $6,342+12.8% |
| Admin fee / account holder | $999 | $12,559-92.0% | $10,802-90.8% | $12,315-91.9% |