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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 | $57,311 | $107,368-46.6% | $92,915-38.3% | $152,909-62.5% |
| Participation rate | 45.8% | 79.8%-34.0pp | 76.0%-30.2pp | 82.5%-36.6pp |
| Annual return | 25.38% | 145.64%-120.3pp | 109.45%-84.1pp | 345.46%-320.1pp |
| Employer contribution / active EE | $0 | $4,222-100.0% | $3,653-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,207 | $4,848-54.5% | $4,238-47.9% | $5,851-62.3% |
| Admin fee / account holder | $16,697 | $7,082+135.8% | $5,796+188.1% | $11,601+43.9% |