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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 | $43,755 | $73,787-40.7% | $98,716-55.7% | $82,448-46.9% |
| Participation rate | 63.3% | 61.4%+1.9pp | 69.3%-6.0pp | 68.1%-4.8pp |
| Annual return | 17.00% | 18.57%-1.6pp | 31.81%-14.8pp | 41.64%-24.6pp |
| Employer contribution / active EE | $253 | $1,511-83.2% | $2,279-88.9% | $2,551-90.1% |
| Participant deferral / active EE | $2,644 | $3,081-14.2% | $4,048-34.7% | $4,139-36.1% |
| Admin fee / account holder | $1,057 | $6,500-83.7% | $8,703-87.9% | $7,234-85.4% |