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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 | $48,812 | $96,419-49.4% | $80,648-39.5% | $139,487-65.0% |
| Participation rate | 36.4% | 73.6%-37.3pp | 67.0%-30.6pp | 80.3%-44.0pp |
| Annual return | 10.80% | 1352.86%-1342.1pp | 937.21%-926.4pp | 373.84%-363.0pp |
| Employer contribution / active EE | $0 | $3,261-100.0% | $2,724-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $1,045 | $5,225-80.0% | $4,443-76.5% | $6,713-84.4% |
| Admin fee / account holder | $15,527 | $6,605+135.1% | $5,382+188.5% | $11,407+36.1% |