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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 | $134,334 | $167,362-19.7% | $143,799-6.6% | $134,532-0.1% |
| Participation rate | 52.9% | 84.8%-31.9pp | 80.3%-27.4pp | 81.2%-28.3pp |
| Annual return | 8580.85% | 0.47%+8580.4pp | -0.04%+8580.9pp | 418.27%+8162.6pp |
| Employer contribution / active EE | $0 | $5,620-100.0% | $4,952-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $3,806 | $6,447-41.0% | $5,638-32.5% | $6,401-40.5% |
| Admin fee / account holder | $1,222 | $18,094-93.2% | $14,677-91.7% | $11,429-89.3% |