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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 | $130,981 | $183,516-28.6% | $155,534-15.8% | $145,884-10.2% |
| Participation rate | 0.0% | 82.7%-82.7pp | 78.2%-78.2pp | 80.3%-80.3pp |
| Annual return | 13.19% | 61.43%-48.2pp | 64.92%-51.7pp | 551.85%-538.7pp |
| Employer contribution / active EE | $145 | $5,315-97.3% | $4,675-96.9% | $4,662-96.9% |
| Participant deferral / active EE | $9,651 | $6,467+49.2% | $5,630+71.4% | $6,690+44.3% |
| Admin fee / account holder | $21,544 | $19,293+11.7% | $15,900+35.5% | $13,392+60.9% |