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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 | $71,015 | $202,342-64.9% | $172,752-58.9% | $152,897-53.6% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 17.72% | 1029.83%-1012.1pp | 802.97%-785.2pp | 345.43%-327.7pp |
| Employer contribution / active EE | $606 | $5,858-89.7% | $5,144-88.2% | $4,764-87.3% |
| Participant deferral / active EE | $4,030 | $5,948-32.3% | $5,198-22.5% | $5,851-31.1% |
| Admin fee / account holder | $5,563 | $17,111-67.5% | $13,955-60.1% | $11,599-52.0% |