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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 | $114,169 | $171,867-33.6% | $149,721-23.7% | $147,586-22.6% |
| Participation rate | 58.3% | 88.2%-29.9pp | 87.1%-28.7pp | 82.8%-24.5pp |
| Annual return | 17.53% | 2113.36%-2095.8pp | 1501.67%-1484.1pp | 578.59%-561.1pp |
| Employer contribution / active EE | $0 | $6,275-100.0% | $5,444-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $4,415 | $7,270-39.3% | $6,568-32.8% | $5,439-18.8% |
| Admin fee / account holder | $366 | $13,799-97.3% | $11,282-96.8% | $10,886-96.6% |