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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 | $98,916 | $150,447-34.3% | $136,298-27.4% | $147,586-33.0% |
| Participation rate | 66.7% | 84.4%-17.8pp | 81.9%-15.3pp | 82.8%-16.2pp |
| Annual return | 13.61% | 1049.15%-1035.5pp | 5156.27%-5142.7pp | 578.59%-565.0pp |
| Employer contribution / active EE | $734 | $5,256-86.0% | $4,696-84.4% | $4,876-84.9% |
| Participant deferral / active EE | $2,943 | $6,631-55.6% | $6,247-52.9% | $5,439-45.9% |
| Admin fee / account holder | $799 | $10,906-92.7% | $9,244-91.4% | $10,886-92.7% |