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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 | $28,024 | $124,175-77.4% | $108,405-74.1% | $167,536-83.3% |
| Participation rate | 68.2% | 82.3%-14.1pp | 80.1%-12.0pp | 82.1%-13.9pp |
| Annual return | 25.76% | 1380.13%-1354.4pp | 905.55%-879.8pp | 478.82%-453.1pp |
| Employer contribution / active EE | $0 | $4,188-100.0% | $3,559-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $16,419 | $6,908+137.7% | $6,563+150.2% | $6,342+158.9% |
| Admin fee / account holder | $518 | $9,457-94.5% | $7,297-92.9% | $12,315-95.8% |