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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 | $52,788 | $202,342-73.9% | $172,753-69.4% | $152,909-65.5% |
| Participation rate | 68.2% | 87.1%-18.9pp | 82.6%-14.5pp | 82.5%-14.3pp |
| Annual return | 19.45% | 1029.88%-1010.4pp | 803.00%-783.6pp | 345.46%-326.0pp |
| Employer contribution / active EE | $0 | $5,857-100.0% | $5,144-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,010 | $5,948-49.4% | $5,198-42.1% | $5,851-48.6% |
| Admin fee / account holder | $4,086 | $17,112-76.1% | $13,956-70.7% | $11,601-64.8% |