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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 | $108,163 | $150,447-28.1% | $136,298-20.6% | $147,586-26.7% |
| Participation rate | 50.0% | 84.4%-34.4pp | 81.9%-31.9pp | 82.8%-32.8pp |
| Annual return | 18.39% | 1049.15%-1030.8pp | 5156.27%-5137.9pp | 578.59%-560.2pp |
| Employer contribution / active EE | $869 | $5,256-83.5% | $4,696-81.5% | $4,876-82.2% |
| Participant deferral / active EE | $5,100 | $6,631-23.1% | $6,247-18.4% | $5,439-6.2% |
| Admin fee / account holder | $33,079 | $10,906+203.3% | $9,244+257.8% | $10,886+203.9% |