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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 | $127,441 | $209,422-39.1% | $178,503-28.6% | $158,982-19.8% |
| Participation rate | 53.8% | 86.4%-32.5pp | 81.9%-28.1pp | 82.0%-28.1pp |
| Annual return | 13.71% | 188.81%-175.1pp | 151.12%-137.4pp | 302.99%-289.3pp |
| Employer contribution / active EE | $35 | $5,707-99.4% | $5,011-99.3% | $4,763-99.3% |
| Participant deferral / active EE | $7,686 | $5,955+29.1% | $5,202+47.7% | $5,983+28.5% |
| Admin fee / account holder | $22,506 | $17,079+31.8% | $13,987+60.9% | $11,252+100.0% |