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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 | $130,973 | $138,393-5.4% | $184,256-28.9% | $80,959+61.8% |
| Participation rate | 66.7% | 83.9%-17.2pp | 86.8%-20.2pp | 67.7%-1.0pp |
| Annual return | 13.65% | 20.01%-6.4pp | 28.85%-15.2pp | 35.67%-22.0pp |
| Employer contribution / active EE | $1,322 | $4,847-72.7% | $6,427-79.4% | $2,757-52.1% |
| Participant deferral / active EE | $4,531 | $7,076-36.0% | $9,133-50.4% | $4,300+5.4% |
| Admin fee / account holder | $76,251 | $10,489+627.0% | $13,899+448.6% | $6,925+1001.0% |