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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 | $58,848 | $209,425-71.9% | $178,499-67.0% | $158,966-63.0% |
| Participation rate | 53.8% | 86.4%-32.5pp | 81.9%-28.1pp | 82.0%-28.1pp |
| Annual return | 0.00% | 188.80%-188.8pp | 151.10%-151.1pp | 302.95%-302.9pp |
| Employer contribution / active EE | $1,054 | $5,707-81.5% | $5,011-79.0% | $4,762-77.9% |
| Participant deferral / active EE | $6,515 | $5,955+9.4% | $5,202+25.2% | $5,983+8.9% |
| Admin fee / account holder | $308 | $17,078-98.2% | $13,986-97.8% | $11,250-97.3% |