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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 | $66,568 | $202,345-67.1% | $172,755-61.5% | $152,885-56.5% |
| Participation rate | 53.3% | 87.1%-33.7pp | 82.6%-29.3pp | 82.5%-29.1pp |
| Annual return | 13.98% | 1029.77%-1015.8pp | 802.94%-789.0pp | 345.39%-331.4pp |
| Employer contribution / active EE | $926 | $5,858-84.2% | $5,144-82.0% | $4,763-80.6% |
| Participant deferral / active EE | $2,308 | $5,948-61.2% | $5,198-55.6% | $5,851-60.6% |
| Admin fee / account holder | $24,965 | $17,111+45.9% | $13,955+78.9% | $11,598+115.3% |