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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 | $105,983 | $76,785+38.0% | $56,441+87.8% | $145,959-27.4% |
| Participation rate | 38.9% | 63.2%-24.4pp | 52.5%-13.6pp | 80.3%-41.4pp |
| Annual return | 24.51% | 3000.51%-2976.0pp | 1704.21%-1679.7pp | 561.95%-537.4pp |
| Employer contribution / active EE | $0 | $1,381-100.0% | $1,039-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $3,755 | $2,624+43.1% | $1,953+92.3% | $6,689-43.9% |
| Admin fee / account holder | $56,487 | $3,334+1594.2% | $2,829+1896.6% | $13,398+321.6% |