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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 | $115,692 | $202,342-42.8% | $172,753-33.0% | $152,909-24.3% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 30.28% | 1029.88%-999.6pp | 803.00%-772.7pp | 345.46%-315.2pp |
| Employer contribution / active EE | $831 | $5,857-85.8% | $5,144-83.9% | $4,764-82.6% |
| Participant deferral / active EE | $3,417 | $5,948-42.6% | $5,198-34.3% | $5,851-41.6% |
| Admin fee / account holder | $716 | $17,112-95.8% | $13,956-94.9% | $11,601-93.8% |