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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 | $137,517 | $202,342-32.0% | $172,753-20.4% | $152,909-10.1% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 17.65% | 1029.88%-1012.2pp | 803.00%-785.4pp | 345.46%-327.8pp |
| Employer contribution / active EE | $1,122 | $5,857-80.8% | $5,144-78.2% | $4,764-76.5% |
| Participant deferral / active EE | $3,545 | $5,948-40.4% | $5,198-31.8% | $5,851-39.4% |
| Admin fee / account holder | $2,626 | $17,112-84.7% | $13,956-81.2% | $11,601-77.4% |