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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 | $35,148 | $217,432-83.8% | $185,851-81.1% | $167,553-79.0% |
| Participation rate | 42.9% | 86.1%-43.2pp | 81.7%-38.9pp | 82.1%-39.3pp |
| Annual return | 13.09% | 148.43%-135.3pp | 122.11%-109.0pp | 478.89%-465.8pp |
| Employer contribution / active EE | $956 | $5,874-83.7% | $5,168-81.5% | $4,840-80.2% |
| Participant deferral / active EE | $3,348 | $6,357-47.3% | $5,569-39.9% | $6,343-47.2% |
| Admin fee / account holder | $2,841 | $19,820-85.7% | $16,245-82.5% | $12,316-76.9% |