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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 | $79,700+5.7% | $153,500-45.1% | $74,429+13.2% |
| Participation rate | 43.7% | 69.8%-26.2pp | 77.1%-33.4pp | 67.2%-23.6pp |
| Annual return | 13.83% | 15.07%-1.2pp | 15.70%-1.9pp | 1368.38%-1354.5pp |
| Employer contribution / active EE | $706 | $4,016-82.4% | $5,039-86.0% | $2,625-73.1% |
| Participant deferral / active EE | $3,759 | $5,315-29.3% | $6,756-44.4% | $4,348-13.6% |
| Admin fee / account holder | $5,830 | $1,790+225.8% | $12,736-54.2% | $1,944+199.9% |