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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 | $111,589 | $166,131-32.8% | $164,975-32.4% | $145,877-23.5% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.6%-28.6pp | 80.3%-30.3pp |
| Annual return | 10.90% | 100.37%-89.5pp | 70.12%-59.2pp | 551.28%-540.4pp |
| Employer contribution / active EE | $100 | $5,276-98.1% | $4,343-97.7% | $4,663-97.9% |
| Participant deferral / active EE | $2,250 | $6,962-67.7% | $6,033-62.7% | $6,691-66.4% |
| Admin fee / account holder | $18,982 | $16,648+14.0% | $12,688+49.6% | $13,402+41.6% |