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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 | $106,967 | $150,447-28.9% | $136,298-21.5% | $147,586-27.5% |
| Participation rate | 66.7% | 84.4%-17.8pp | 81.9%-15.3pp | 82.8%-16.2pp |
| Annual return | 19.23% | 1049.15%-1029.9pp | 5156.27%-5137.0pp | 578.59%-559.4pp |
| Employer contribution / active EE | $57 | $5,256-98.9% | $4,696-98.8% | $4,876-98.8% |
| Participant deferral / active EE | $6,256 | $6,631-5.7% | $6,247+0.1% | $5,439+15.0% |
| Admin fee / account holder | $8,608 | $10,906-21.1% | $9,244-6.9% | $10,886-20.9% |