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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 | $150,544 | $202,342-25.6% | $172,752-12.9% | $152,897-1.5% |
| Participation rate | 60.0% | 87.1%-27.1pp | 82.6%-22.6pp | 82.5%-22.5pp |
| Annual return | 16.43% | 1029.83%-1013.4pp | 802.97%-786.5pp | 345.43%-329.0pp |
| Employer contribution / active EE | $393 | $5,858-93.3% | $5,144-92.4% | $4,764-91.7% |
| Participant deferral / active EE | $2,213 | $5,948-62.8% | $5,198-57.4% | $5,851-62.2% |
| Admin fee / account holder | $871 | $17,111-94.9% | $13,955-93.8% | $11,599-92.5% |