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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 | $49,999 | $202,342-75.3% | $172,753-71.1% | $152,909-67.3% |
| Participation rate | 16.7% | 87.1%-70.4pp | 82.6%-66.0pp | 82.5%-65.8pp |
| Annual return | 23.79% | 1029.88%-1006.1pp | 803.00%-779.2pp | 345.46%-321.7pp |
| Employer contribution / active EE | $848 | $5,857-85.5% | $5,144-83.5% | $4,764-82.2% |
| Participant deferral / active EE | $2,750 | $5,948-53.8% | $5,198-47.1% | $5,851-53.0% |
| Admin fee / account holder | $5,668 | $17,112-66.9% | $13,956-59.4% | $11,601-51.1% |