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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 | $208,351 | $109,905+89.6% | $98,506+111.5% | $167,553+24.3% |
| Participation rate | 50.0% | 75.8%-25.8pp | 73.3%-23.3pp | 82.1%-32.1pp |
| Annual return | 19.65% | 1960.20%-1940.6pp | 1494.92%-1475.3pp | 478.89%-459.2pp |
| Employer contribution / active EE | $0 | $3,226-100.0% | $2,961-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $2,811 | $4,674-39.9% | $4,277-34.3% | $6,343-55.7% |
| Admin fee / account holder | $854 | $6,760-87.4% | $5,955-85.7% | $12,316-93.1% |