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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 | $146,203 | $209,422-30.2% | $178,503-18.1% | $158,982-8.0% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 18.53% | 188.81%-170.3pp | 151.12%-132.6pp | 302.99%-284.5pp |
| Employer contribution / active EE | $895 | $5,707-84.3% | $5,011-82.1% | $4,763-81.2% |
| Participant deferral / active EE | $3,645 | $5,955-38.8% | $5,202-29.9% | $5,983-39.1% |
| Admin fee / account holder | $360 | $17,079-97.9% | $13,987-97.4% | $11,252-96.8% |