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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 | $134,269 | $76,371+75.8% | $93,621+43.4% | $72,976+84.0% |
| Participation rate | 64.6% | 71.8%-7.2pp | 75.8%-11.3pp | 69.5%-4.9pp |
| Annual return | 0.00% | 25.82%-25.8pp | 32.76%-32.8pp | 81.02%-81.0pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,754 | $3,538+6.1% | $4,070-7.8% | $3,608+4.0% |
| Admin fee / account holder | $13,065 | $6,839+91.0% | $7,890+65.6% | $5,124+155.0% |