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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 | $78,992 | $150,447-47.5% | $136,298-42.0% | $147,586-46.5% |
| Participation rate | 60.0% | 84.4%-24.4pp | 81.9%-21.9pp | 82.8%-22.8pp |
| Annual return | 15.40% | 1049.15%-1033.8pp | 5156.27%-5140.9pp | 578.59%-563.2pp |
| Employer contribution / active EE | $829 | $5,256-84.2% | $4,696-82.3% | $4,876-83.0% |
| Participant deferral / active EE | $2,826 | $6,631-57.4% | $6,247-54.8% | $5,439-48.0% |
| Admin fee / account holder | $770 | $10,906-92.9% | $9,244-91.7% | $10,886-92.9% |