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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 | $49,234 | $84,741-41.9% | $75,731-35.0% | $167,553-70.6% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.8%-41.5pp | 82.1%-48.8pp |
| Annual return | 33.53% | 199.72%-166.2pp | 104.65%-71.1pp | 478.89%-445.4pp |
| Employer contribution / active EE | $0 | $3,230-100.0% | $2,743-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $11,117 | $4,577+142.9% | $3,820+191.0% | $6,343+75.3% |
| Admin fee / account holder | $13,105 | $5,361+144.5% | $3,620+262.0% | $12,316+6.4% |