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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 | $138,385-5.4% | $184,243-28.9% | $80,925+61.8% |
| Participation rate | 66.7% | 83.9%-17.2pp | 86.8%-20.2pp | 67.7%-1.0pp |
| Annual return | 13.65% | 20.02%-6.4pp | 28.82%-15.2pp | 35.65%-22.0pp |
| Employer contribution / active EE | $1,322 | $4,851-72.8% | $6,427-79.4% | $2,756-52.1% |
| Participant deferral / active EE | $4,531 | $7,075-36.0% | $9,132-50.4% | $4,299+5.4% |
| Admin fee / account holder | $76,251 | $10,489+627.0% | $13,914+448.0% | $6,940+998.7% |