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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 | $180,405 | $202,342-10.8% | $172,752+4.4% | $152,897+18.0% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 15.48% | 1029.83%-1014.3pp | 802.97%-787.5pp | 345.43%-329.9pp |
| Employer contribution / active EE | $0 | $5,858-100.0% | $5,144-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,998 | $5,948-32.8% | $5,198-23.1% | $5,851-31.7% |
| Admin fee / account holder | $1,542 | $17,111-91.0% | $13,955-89.0% | $11,599-86.7% |