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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 | $155,702 | $180,978-14.0% | $147,117+5.8% | - |
| Participation rate | 44.4% | 77.3%-32.8pp | 82.2%-37.7pp | - |
| Annual return | 18.47% | 12.24%+6.2pp | 420.54%-402.1pp | - |
| Employer contribution / active EE | $1,740 | $3,338-47.9% | $4,932-64.7% | - |
| Participant deferral / active EE | $6,110 | $6,936-11.9% | $8,065-24.2% | - |
| Admin fee / account holder | $8,804 | $27,876-68.4% | $12,993-32.2% | - |