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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 | $132,145 | $76,522+72.7% | $56,033+135.8% | $145,884-9.4% |
| Participation rate | 30.8% | 63.2%-32.5pp | 52.5%-21.7pp | 80.3%-49.5pp |
| Annual return | 5.93% | 3014.28%-3008.3pp | 1711.38%-1705.4pp | 551.85%-545.9pp |
| Employer contribution / active EE | -$3,300 | $1,382-338.7% | $1,041-417.0% | $4,662-170.8% |
| Participant deferral / active EE | $4,280 | $2,624+63.1% | $1,954+119.0% | $6,690-36.0% |
| Admin fee / account holder | $369,224 | $3,328+10993.4% | $2,827+12960.4% | $13,392+2657.1% |