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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 | $136,050 | $102,696+32.5% | $86,235+57.8% | $139,487-2.5% |
| Participation rate | 42.9% | 74.5%-31.6pp | 69.0%-26.1pp | 80.3%-37.5pp |
| Annual return | 18.96% | 1925.91%-1906.9pp | 1170.03%-1151.1pp | 373.84%-354.9pp |
| Employer contribution / active EE | $0 | $3,034-100.0% | $2,381-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $3,170 | $4,679-32.2% | $3,987-20.5% | $6,713-52.8% |
| Admin fee / account holder | $13,569 | $8,667+56.6% | $6,856+97.9% | $11,407+18.9% |