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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 | $181,980 | $106,247+71.3% | $96,515+88.6% | $139,466+30.5% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 12.01% | 38.47%-26.5pp | 35.73%-23.7pp | 373.66%-361.7pp |
| Employer contribution / active EE | $540 | $4,106-86.8% | $3,740-85.6% | $4,754-88.6% |
| Participant deferral / active EE | $4,169 | $5,456-23.6% | $4,880-14.6% | $6,712-37.9% |
| Admin fee / account holder | $69,294 | $7,885+778.8% | $6,735+928.8% | $11,409+507.4% |