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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 | $63,022 | $110,410-42.9% | $102,437-38.5% | $145,897-56.8% |
| Participation rate | 36.8% | 77.9%-41.1pp | 74.5%-37.7pp | 80.3%-43.5pp |
| Annual return | 16.33% | 24.85%-8.5pp | 24.95%-8.6pp | 552.29%-536.0pp |
| Employer contribution / active EE | $650 | $4,217-84.6% | $3,871-83.2% | $4,663-86.1% |
| Participant deferral / active EE | $3,976 | $5,622-29.3% | $5,060-21.4% | $6,689-40.6% |
| Admin fee / account holder | $1,909 | $9,745-80.4% | $8,388-77.2% | $13,390-85.7% |