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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 | $83,522 | $138,102-39.5% | $125,381-33.4% | $134,532-37.9% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | 4.27% | 750.73%-746.5pp | 572.31%-568.0pp | 418.27%-414.0pp |
| Employer contribution / active EE | $966 | $5,245-81.6% | $4,815-79.9% | $4,741-79.6% |
| Participant deferral / active EE | $3,123 | $7,801-60.0% | $7,448-58.1% | $6,401-51.2% |
| Admin fee / account holder | $67,088 | $11,568+479.9% | $10,007+570.4% | $11,429+487.0% |