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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 | $49,854 | $208,088-76.0% | $186,193-73.2% | $154,746-67.8% |
| Participation rate | 50.0% | 80.0%-30.0pp | 77.1%-27.1pp | 80.7%-30.7pp |
| Annual return | 11.26% | 89.97%-78.7pp | 78.03%-66.8pp | 172.34%-161.1pp |
| Employer contribution / active EE | $0 | $4,340-100.0% | $3,918-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $14,895 | $7,078+110.4% | $6,513+128.7% | $6,730+121.3% |
| Admin fee / account holder | $56,066 | $11,698+379.3% | $11,058+407.0% | $14,365+290.3% |