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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 | $209,876 | $202,342+3.7% | $172,753+21.5% | $152,909+37.3% |
| Participation rate | 54.5% | 87.1%-32.5pp | 82.6%-28.1pp | 82.5%-27.9pp |
| Annual return | 20.46% | 1029.88%-1009.4pp | 803.00%-782.5pp | 345.46%-325.0pp |
| Employer contribution / active EE | $1,002 | $5,857-82.9% | $5,144-80.5% | $4,764-79.0% |
| Participant deferral / active EE | $4,132 | $5,948-30.5% | $5,198-20.5% | $5,851-29.4% |
| Admin fee / account holder | $765 | $17,112-95.5% | $13,956-94.5% | $11,601-93.4% |