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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 | $110,724 | $156,970-29.5% | $121,210-8.7% | $139,487-20.6% |
| Participation rate | 46.7% | 76.5%-29.8pp | 69.5%-22.9pp | 80.3%-33.7pp |
| Annual return | 18.31% | 1477.10%-1458.8pp | 987.41%-969.1pp | 373.84%-355.5pp |
| Employer contribution / active EE | $0 | $5,546-100.0% | $4,171-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $2,998 | $4,849-38.2% | $4,084-26.6% | $6,713-55.3% |
| Admin fee / account holder | $41,256 | $6,947+493.9% | $5,647+630.6% | $11,407+261.7% |