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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 | $146,780 | $138,114+6.3% | $125,391+17.1% | $134,545+9.1% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -13.12% | 750.88%-764.0pp | 572.41%-585.5pp | 418.37%-431.5pp |
| Employer contribution / active EE | $910 | $5,246-82.7% | $4,816-81.1% | $4,742-80.8% |
| Participant deferral / active EE | $3,250 | $7,801-58.3% | $7,448-56.4% | $6,401-49.2% |
| Admin fee / account holder | $19,123 | $11,570+65.3% | $10,009+91.1% | $11,431+67.3% |