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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 | $76,117 | $77,638-2.0% | $156,551-51.4% | $62,881+21.1% |
| Participation rate | 69.4% | 71.2%-1.8pp | 84.0%-14.6pp | 69.3%+0.1pp |
| Annual return | 5.57% | 50.33%-44.8pp | 32.23%-26.7pp | 20.14%-14.6pp |
| Employer contribution / active EE | $364 | $3,444-89.4% | $5,501-93.4% | $2,281-84.0% |
| Participant deferral / active EE | $1,160 | $3,046-61.9% | $4,871-76.2% | $3,203-63.8% |
| Admin fee / account holder | $83,628 | $5,561+1403.7% | $13,028+541.9% | $4,296+1846.8% |