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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 | $177,582-12.3% | $147,041+5.9% | - |
| Participation rate | 44.4% | 77.3%-32.9pp | 82.2%-37.7pp | - |
| Annual return | 18.47% | 11.53%+6.9pp | 419.21%-400.7pp | - |
| Employer contribution / active EE | $1,740 | $3,294-47.2% | $4,935-64.7% | - |
| Participant deferral / active EE | $6,110 | $6,947-12.0% | $8,071-24.3% | - |
| Admin fee / account holder | $8,804 | $27,748-68.3% | $13,006-32.3% | - |