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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 | $245,265 | $134,817+81.9% | $123,973+97.8% | $155,188+58.0% |
| Participation rate | 33.3% | 79.4%-46.1pp | 76.7%-43.3pp | 80.8%-47.5pp |
| Annual return | 16.18% | 515.49%-499.3pp | 388.13%-372.0pp | 148.84%-132.7pp |
| Employer contribution / active EE | $0 | $4,425-100.0% | $4,126-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $2,691 | $5,706-52.8% | $5,247-48.7% | $6,531-58.8% |
| Admin fee / account holder | $58,299 | $13,245+340.2% | $11,799+394.1% | $14,480+302.6% |