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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 | $65,518 | $101,499-35.4% | $147,005-55.4% | $74,546-12.1% |
| Participation rate | 61.0% | 75.5%-14.6pp | 82.2%-21.2pp | 67.2%-6.3pp |
| Annual return | 59.06% | 8732.34%-8673.3pp | 418.76%-359.7pp | 1366.03%-1307.0pp |
| Employer contribution / active EE | $0 | $3,811-100.0% | $4,934-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $10,979 | $7,304+50.3% | $8,070+36.1% | $4,347+152.5% |
| Admin fee / account holder | $2,212 | $1,748+26.5% | $13,006-83.0% | $1,944+13.8% |