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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 | $60,075 | $96,388-37.7% | $80,627-25.5% | $139,466-56.9% |
| Participation rate | 36.4% | 73.6%-37.3pp | 67.0%-30.6pp | 80.3%-44.0pp |
| Annual return | 17.31% | 1352.08%-1334.8pp | 936.76%-919.4pp | 373.66%-356.4pp |
| Employer contribution / active EE | $0 | $3,260-100.0% | $2,723-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $9,188 | $5,224+75.9% | $4,443+106.8% | $6,712+36.9% |
| Admin fee / account holder | $15,032 | $6,603+127.7% | $5,381+179.4% | $11,409+31.8% |