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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 | $54,587 | $96,691-43.5% | $86,656-37.0% | $139,487-60.9% |
| Participation rate | 47.4% | 74.4%-27.0pp | 71.7%-24.3pp | 80.3%-33.0pp |
| Annual return | 37.57% | 106.87%-69.3pp | 593.09%-555.5pp | 373.84%-336.3pp |
| Employer contribution / active EE | $0 | $3,267-100.0% | $3,025-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $1,222 | $4,838-74.7% | $4,439-72.5% | $6,713-81.8% |
| Admin fee / account holder | $2,262 | $6,414-64.7% | $5,619-59.7% | $11,407-80.2% |