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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 | $84,255 | $79,779+5.6% | $153,741-45.2% | $74,478+13.1% |
| Participation rate | 43.7% | 69.9%-26.3pp | 77.1%-33.4pp | 67.2%-23.6pp |
| Annual return | 13.83% | 15.08%-1.2pp | 15.71%-1.9pp | 1370.56%-1356.7pp |
| Employer contribution / active EE | $706 | $4,026-82.5% | $5,042-86.0% | $2,626-73.1% |
| Participant deferral / active EE | $3,759 | $5,329-29.5% | $6,757-44.4% | $4,350-13.6% |
| Admin fee / account holder | $5,830 | $1,761+231.1% | $12,749-54.3% | $1,946+199.6% |