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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 | $34,349 | $171,865-80.0% | $149,718-77.1% | $147,585-76.7% |
| Participation rate | 61.9% | 88.2%-26.3pp | 87.1%-25.2pp | 82.8%-20.9pp |
| Annual return | 16.61% | 2113.29%-2096.7pp | 1501.67%-1485.1pp | 578.56%-561.9pp |
| Employer contribution / active EE | $668 | $6,275-89.4% | $5,445-87.7% | $4,876-86.3% |
| Participant deferral / active EE | $3,568 | $7,270-50.9% | $6,569-45.7% | $5,439-34.4% |
| Admin fee / account holder | $1,994 | $13,799-85.5% | $11,283-82.3% | $10,885-81.7% |