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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 | $32,413 | $134,817-76.0% | $123,973-73.9% | $155,188-79.1% |
| Participation rate | 60.0% | 79.4%-19.4pp | 76.7%-16.7pp | 80.8%-20.8pp |
| Annual return | 76.62% | 515.49%-438.9pp | 388.13%-311.5pp | 148.84%-72.2pp |
| Employer contribution / active EE | $891 | $4,425-79.9% | $4,126-78.4% | $4,248-79.0% |
| Participant deferral / active EE | $4,891 | $5,706-14.3% | $5,247-6.8% | $6,531-25.1% |
| Admin fee / account holder | $6,258 | $13,245-52.8% | $11,799-47.0% | $14,480-56.8% |