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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 | $130,952 | $150,447-13.0% | $136,298-3.9% | $147,586-11.3% |
| Participation rate | 64.3% | 84.4%-20.1pp | 81.9%-17.6pp | 82.8%-18.5pp |
| Annual return | 17.04% | 1049.15%-1032.1pp | 5156.27%-5139.2pp | 578.59%-561.6pp |
| Employer contribution / active EE | $0 | $5,256-100.0% | $4,696-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $7,449 | $6,631+12.3% | $6,247+19.2% | $5,439+37.0% |
| Admin fee / account holder | $2,107 | $10,906-80.7% | $9,244-77.2% | $10,886-80.6% |