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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 | $56,472 | $209,336-73.0% | $197,124-71.4% | $137,256-58.9% |
| Participation rate | 58.3% | 87.3%-29.0pp | 86.7%-28.4pp | 80.0%-21.6pp |
| Annual return | 14.10% | 48.09%-34.0pp | 44.34%-30.2pp | 220.34%-206.2pp |
| Employer contribution / active EE | $872 | $6,591-86.8% | $6,227-86.0% | $4,156-79.0% |
| Participant deferral / active EE | $3,638 | $9,614-62.2% | $9,135-60.2% | $6,407-43.2% |
| Admin fee / account holder | $467 | $17,308-97.3% | $16,298-97.1% | $12,270-96.2% |