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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 | $65,079 | $202,342-67.8% | $172,753-62.3% | $152,909-57.4% |
| Participation rate | 69.6% | 87.1%-17.5pp | 82.6%-13.1pp | 82.5%-12.9pp |
| Annual return | 20.28% | 1029.88%-1009.6pp | 803.00%-782.7pp | 345.46%-325.2pp |
| Employer contribution / active EE | $930 | $5,857-84.1% | $5,144-81.9% | $4,764-80.5% |
| Participant deferral / active EE | $2,171 | $5,948-63.5% | $5,198-58.2% | $5,851-62.9% |
| Admin fee / account holder | $6,038 | $17,112-64.7% | $13,956-56.7% | $11,601-48.0% |