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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 | $55,646 | $101,795-45.3% | $165,100-66.3% | $80,959-31.3% |
| Participation rate | 54.1% | 71.8%-17.8pp | 78.6%-24.6pp | 67.7%-13.6pp |
| Annual return | 48.68% | 16.73%+32.0pp | 70.21%-21.5pp | 35.67%+13.0pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,666 | $4,476+4.2% | $6,035-22.7% | $4,300+8.5% |
| Admin fee / account holder | $17,684 | $8,221+115.1% | $12,696+39.3% | $6,925+155.4% |