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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 | $98,649 | $202,345-51.2% | $172,755-42.9% | $152,885-35.5% |
| Participation rate | 40.0% | 87.1%-47.1pp | 82.6%-42.6pp | 82.5%-42.5pp |
| Annual return | 23.73% | 1029.77%-1006.0pp | 802.94%-779.2pp | 345.39%-321.7pp |
| Employer contribution / active EE | $165 | $5,858-97.2% | $5,144-96.8% | $4,763-96.5% |
| Participant deferral / active EE | $3,800 | $5,948-36.1% | $5,198-26.9% | $5,851-35.1% |
| Admin fee / account holder | $301 | $17,111-98.2% | $13,955-97.8% | $11,598-97.4% |