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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 | $72,336 | $116,203-37.8% | $93,621-22.7% | $152,897-52.7% |
| Participation rate | 33.3% | 78.1%-44.7pp | 75.8%-42.5pp | 82.5%-49.1pp |
| Annual return | 372.40% | 35.96%+336.4pp | 32.76%+339.6pp | 345.43%+27.0pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,898 | $4,605-58.8% | $4,070-53.4% | $5,851-67.6% |
| Admin fee / account holder | $8,655 | $10,751-19.5% | $7,890+9.7% | $11,599-25.4% |