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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 | $98,752 | $29,733+232.1% | $56,025+76.3% | $80,959+22.0% |
| Participation rate | 3.6% | 41.7%-38.2pp | 52.5%-48.9pp | 67.7%-64.1pp |
| Annual return | 28.60% | 35.28%-6.7pp | 1712.69%-1684.1pp | 35.67%-7.1pp |
| Employer contribution / active EE | $88 | $672-87.0% | $1,042-91.6% | $2,757-96.8% |
| Participant deferral / active EE | $1,385 | $1,229+12.7% | $1,955-29.1% | $4,300-67.8% |
| Admin fee / account holder | $10,705 | $2,434+339.9% | $2,828+278.5% | $6,925+54.6% |