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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 | $160,815 | $88,815+81.1% | $81,882+96.4% | $145,897+10.2% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 12.85% | 1033.75%-1020.9pp | 779.47%-766.6pp | 552.29%-539.4pp |
| Employer contribution / active EE | $0 | $3,086-100.0% | $2,916-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $11,507 | $4,647+147.6% | $4,323+166.2% | $6,689+72.0% |
| Admin fee / account holder | $910 | $8,434-89.2% | $7,360-87.6% | $13,390-93.2% |