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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 | $189,441 | $49,199+285.0% | $121,204+56.3% | $75,173+152.0% |
| Participation rate | 25.9% | 55.4%-29.5pp | 69.5%-43.6pp | 67.2%-41.3pp |
| Annual return | 16.98% | 56.04%-39.1pp | 987.18%-970.2pp | 160.72%-143.7pp |
| Employer contribution / active EE | $0 | $1,547-100.0% | $4,170-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,840 | $2,630+8.0% | $4,083-30.4% | $4,126-31.2% |
| Admin fee / account holder | $37,687 | $3,946+855.1% | $5,651+566.9% | $5,651+567.0% |