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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 | $19,272 | $56,063-65.6% | $76,051-74.7% | $80,911-76.2% |
| Participation rate | 48.3% | 62.0%-13.7pp | 69.1%-20.7pp | 67.6%-19.3pp |
| Annual return | 13.12% | 20.54%-7.4pp | 360.42%-347.3pp | 35.63%-22.5pp |
| Employer contribution / active EE | $202 | $1,874-89.2% | $2,690-92.5% | $2,756-92.7% |
| Participant deferral / active EE | $1,347 | $3,052-55.9% | $4,257-68.4% | $4,297-68.6% |
| Admin fee / account holder | $1,844 | $5,240-64.8% | $6,416-71.3% | $6,935-73.4% |