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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 | $34,879 | $202,342-82.8% | $172,753-79.8% | $152,909-77.2% |
| Participation rate | 61.9% | 87.1%-25.2pp | 82.6%-20.7pp | 82.5%-20.6pp |
| Annual return | 19.74% | 1029.88%-1010.1pp | 803.00%-783.3pp | 345.46%-325.7pp |
| Employer contribution / active EE | $607 | $5,857-89.6% | $5,144-88.2% | $4,764-87.2% |
| Participant deferral / active EE | $3,504 | $5,948-41.1% | $5,198-32.6% | $5,851-40.1% |
| Admin fee / account holder | $6,315 | $17,112-63.1% | $13,956-54.7% | $11,601-45.6% |