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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 | $63,692 | $202,342-68.5% | $172,753-63.1% | $152,909-58.3% |
| Participation rate | 57.1% | 87.1%-29.9pp | 82.6%-25.5pp | 82.5%-25.3pp |
| Annual return | 19.02% | 1029.88%-1010.9pp | 803.00%-784.0pp | 345.46%-326.4pp |
| Employer contribution / active EE | $1,170 | $5,857-80.0% | $5,144-77.3% | $4,764-75.4% |
| Participant deferral / active EE | $3,216 | $5,948-45.9% | $5,198-38.1% | $5,851-45.0% |
| Admin fee / account holder | $469 | $17,112-97.3% | $13,956-96.6% | $11,601-96.0% |