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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $96,032 | $76,551+25.4% | $123,894-22.5% | $62,881+52.7% |
| Participation rate | 40.0% | 73.0%-33.0pp | 81.4%-41.4pp | 69.3%-29.3pp |
| Annual return | 4.65% | 18.68%-14.0pp | 47.52%-42.9pp | 20.14%-15.5pp |
| Employer contribution / active EE | $1,396 | $2,882-51.6% | $4,617-69.8% | $2,281-38.8% |
| Participant deferral / active EE | $3,756 | $4,840-22.4% | $5,984-37.2% | $3,203+17.3% |
| Admin fee / account holder | $37,643 | $4,826+680.0% | $8,357+350.4% | $4,296+776.3% |