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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 | $51,226 | $62,393-17.9% | $120,580-57.5% | $74,478-31.2% |
| Participation rate | 50.6% | 56.8%-6.1pp | 72.0%-21.3pp | 67.2%-16.6pp |
| Annual return | 11.92% | 18.61%-6.7pp | 107.48%-95.6pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $460 | $1,845-75.1% | $3,469-86.7% | $2,626-82.5% |
| Participant deferral / active EE | $2,074 | $2,886-28.1% | $4,995-58.5% | $4,350-52.3% |
| Admin fee / account holder | $2,700 | $2,396+12.7% | $9,418-71.3% | $1,946+38.7% |