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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 | $202,326-42.8% | $172,745-33.0% | $152,870-24.3% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.4%-32.4pp |
| Annual return | 30.28% | 1029.72%-999.4pp | 802.90%-772.6pp | 345.34%-315.1pp |
| Employer contribution / active EE | $831 | $5,858-85.8% | $5,144-83.9% | $4,763-82.6% |
| Participant deferral / active EE | $3,417 | $5,948-42.6% | $5,197-34.3% | $5,850-41.6% |
| Admin fee / account holder | $716 | $17,110-95.8% | $13,954-94.9% | $11,597-93.8% |