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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 | $84,179 | $185,225-54.6% | $142,898-41.1% | $167,553-49.8% |
| Participation rate | 33.3% | 78.5%-45.1pp | 72.0%-38.6pp | 82.1%-48.8pp |
| Annual return | 13.24% | 8558.12%-8544.9pp | 5639.64%-5626.4pp | 478.89%-465.7pp |
| Employer contribution / active EE | $1 | $5,607-100.0% | $4,146-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $3,149 | $4,496-29.9% | $3,838-18.0% | $6,343-50.3% |
| Admin fee / account holder | $645 | $8,032-92.0% | $6,560-90.2% | $12,316-94.8% |