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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 | $76,634+72.4% | $56,054+135.7% | $145,978-9.5% |
| Participation rate | 30.8% | 63.2%-32.5pp | 52.5%-21.7pp | 80.3%-49.5pp |
| Annual return | 5.93% | 3004.33%-2998.4pp | 1705.95%-1700.0pp | 550.52%-544.6pp |
| Employer contribution / active EE | -$3,300 | $1,380-339.1% | $1,039-417.6% | $4,662-170.8% |
| Participant deferral / active EE | $4,280 | $2,622+63.2% | $1,952+119.2% | $6,690-36.0% |
| Admin fee / account holder | $369,224 | $3,321+11016.9% | $2,822+12981.7% | $13,400+2655.3% |