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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 | $74,310 | $202,342-63.3% | $172,753-57.0% | $152,909-51.4% |
| Participation rate | 20.0% | 87.1%-67.1pp | 82.6%-62.6pp | 82.5%-62.5pp |
| Annual return | 21.99% | 1029.88%-1007.9pp | 803.00%-781.0pp | 345.46%-323.5pp |
| Employer contribution / active EE | $538 | $5,857-90.8% | $5,144-89.5% | $4,764-88.7% |
| Participant deferral / active EE | $4,000 | $5,948-32.8% | $5,198-23.0% | $5,851-31.6% |
| Admin fee / account holder | $481 | $17,112-97.2% | $13,956-96.6% | $11,601-95.9% |