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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 | $120,624 | $88,815+35.8% | $81,882+47.3% | $145,897-17.3% |
| Participation rate | 33.3% | 75.1%-41.7pp | 72.4%-39.1pp | 80.3%-47.0pp |
| Annual return | 54.32% | 1033.75%-979.4pp | 779.47%-725.2pp | 552.29%-498.0pp |
| Employer contribution / active EE | $322 | $3,086-89.6% | $2,916-89.0% | $4,663-93.1% |
| Participant deferral / active EE | $769 | $4,647-83.4% | $4,323-82.2% | $6,689-88.5% |
| Admin fee / account holder | $3,630 | $8,434-57.0% | $7,360-50.7% | $13,390-72.9% |