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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 | $120,487 | $202,342-40.5% | $172,753-30.3% | $152,909-21.2% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 22.89% | 1029.88%-1007.0pp | 803.00%-780.1pp | 345.46%-322.6pp |
| Employer contribution / active EE | $363 | $5,857-93.8% | $5,144-92.9% | $4,764-92.4% |
| Participant deferral / active EE | $8,324 | $5,948+39.9% | $5,198+60.1% | $5,851+42.3% |
| Admin fee / account holder | $33,394 | $17,112+95.2% | $13,956+139.3% | $11,601+187.9% |