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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 | $47,844 | $57,752-17.2% | $112,273-57.4% | $71,511-33.1% |
| Participation rate | 51.0% | 58.8%-7.8pp | 72.4%-21.4pp | 67.9%-16.9pp |
| Annual return | 13.98% | 18.25%-4.3pp | 30.23%-16.2pp | 28.86%-14.9pp |
| Employer contribution / active EE | $418 | $1,912-78.1% | $3,431-87.8% | $2,589-83.8% |
| Participant deferral / active EE | $1,728 | $2,860-39.6% | $4,800-64.0% | $4,291-59.7% |
| Admin fee / account holder | $1,007 | $1,586-36.5% | $7,752-87.0% | $1,588-36.6% |