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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 | $36,544 | $104,544-65.0% | $76,657-52.3% | $152,897-76.1% |
| Participation rate | 37.5% | 76.6%-39.1pp | 72.1%-34.6pp | 82.5%-45.0pp |
| Annual return | 31.03% | 1014.36%-983.3pp | 1166.74%-1135.7pp | 345.43%-314.4pp |
| Employer contribution / active EE | $0 | $3,118-100.0% | $2,303-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,622 | $4,236+9.1% | $3,335+38.6% | $5,851-21.0% |
| Admin fee / account holder | $508 | $12,286-95.9% | $6,423-92.1% | $11,599-95.6% |