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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 | $52,853 | $202,342-73.9% | $172,753-69.4% | $152,909-65.4% |
| Participation rate | 60.0% | 87.1%-27.1pp | 82.6%-22.6pp | 82.5%-22.5pp |
| Annual return | 20.47% | 1029.88%-1009.4pp | 803.00%-782.5pp | 345.46%-325.0pp |
| Employer contribution / active EE | $816 | $5,857-86.1% | $5,144-84.1% | $4,764-82.9% |
| Participant deferral / active EE | $3,311 | $5,948-44.3% | $5,198-36.3% | $5,851-43.4% |
| Admin fee / account holder | $583 | $17,112-96.6% | $13,956-95.8% | $11,601-95.0% |