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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 | $34,554 | $166,020-79.2% | $164,866-79.0% | $145,959-76.3% |
| Participation rate | 58.8% | 82.0%-23.2pp | 78.6%-19.8pp | 80.3%-21.5pp |
| Annual return | 14.83% | 100.08%-85.3pp | 69.97%-55.1pp | 561.95%-547.1pp |
| Employer contribution / active EE | $894 | $5,275-83.0% | $4,343-79.4% | $4,661-80.8% |
| Participant deferral / active EE | $2,099 | $6,961-69.8% | $6,033-65.2% | $6,689-68.6% |
| Admin fee / account holder | $761 | $16,644-95.4% | $12,689-94.0% | $13,398-94.3% |