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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 | $48,599 | $150,447-67.7% | $136,298-64.3% | $147,586-67.1% |
| Participation rate | 50.0% | 84.4%-34.4pp | 81.9%-31.9pp | 82.8%-32.8pp |
| Annual return | 145.97% | 1049.15%-903.2pp | 5156.27%-5010.3pp | 578.59%-432.6pp |
| Employer contribution / active EE | $250 | $5,256-95.2% | $4,696-94.7% | $4,876-94.9% |
| Participant deferral / active EE | $3,250 | $6,631-51.0% | $6,247-48.0% | $5,439-40.2% |
| Admin fee / account holder | $31,109 | $10,906+185.2% | $9,244+236.5% | $10,886+185.8% |