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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 | $32,437 | $112,131-71.1% | $95,964-66.2% | $158,982-79.6% |
| Participation rate | 68.2% | 79.0%-10.8pp | 77.1%-8.9pp | 82.0%-13.8pp |
| Annual return | 9.21% | 171.19%-162.0pp | 91.64%-82.4pp | 302.99%-293.8pp |
| Employer contribution / active EE | $0 | $3,199-100.0% | $2,541-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $1,559 | $4,784-67.4% | $4,167-62.6% | $5,983-74.0% |
| Admin fee / account holder | $5,738 | $10,136-43.4% | $6,797-15.6% | $11,252-49.0% |