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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 | $179,901-13.5% | $147,096+5.9% | - |
| Participation rate | 44.4% | 77.2%-32.7pp | 82.2%-37.7pp | - |
| Annual return | 18.47% | 11.75%+6.7pp | 419.75%-401.3pp | - |
| Employer contribution / active EE | $1,740 | $3,299-47.2% | $4,936-64.7% | - |
| Participant deferral / active EE | $6,110 | $6,909-11.6% | $8,071-24.3% | - |
| Admin fee / account holder | $8,804 | $27,572-68.1% | $13,005-32.3% | - |