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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 | $79,650 | $202,326-60.6% | $172,745-53.9% | $152,870-47.9% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.4%-32.4pp |
| Annual return | 20.20% | 1029.72%-1009.5pp | 802.90%-782.7pp | 345.34%-325.1pp |
| Employer contribution / active EE | $0 | $5,858-100.0% | $5,144-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $7,550 | $5,948+26.9% | $5,197+45.3% | $5,850+29.0% |
| Admin fee / account holder | $504 | $17,110-97.1% | $13,954-96.4% | $11,597-95.7% |