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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 | $63,023 | $100,938-37.6% | $90,461-30.3% | $158,982-60.4% |
| Participation rate | 54.5% | 75.0%-20.5pp | 72.7%-18.1pp | 82.0%-27.4pp |
| Annual return | 17.25% | 1727.20%-1710.0pp | 1294.76%-1277.5pp | 302.99%-285.7pp |
| Employer contribution / active EE | $0 | $3,691-100.0% | $3,264-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $1,192 | $4,350-72.6% | $3,964-69.9% | $5,983-80.1% |
| Admin fee / account holder | $6,827 | $6,510+4.9% | $5,617+21.5% | $11,252-39.3% |