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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 | $150,750 | $81,476+85.0% | $102,383+47.2% | $80,925+86.3% |
| Participation rate | 60.7% | 66.8%-6.1pp | 74.5%-13.8pp | 67.7%-6.9pp |
| Annual return | 26.66% | 25.59%+1.1pp | 24.94%+1.7pp | 35.65%-9.0pp |
| Employer contribution / active EE | $650 | $3,105-79.1% | $3,870-83.2% | $2,756-76.4% |
| Participant deferral / active EE | $3,509 | $3,871-9.4% | $5,060-30.7% | $4,299-18.4% |
| Admin fee / account holder | $17,514 | $6,717+160.7% | $8,391+108.7% | $6,940+152.4% |