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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 | $81,942 | $51,642+58.7% | $129,384-36.7% | $80,935+1.2% |
| Participation rate | 35.4% | 56.9%-21.5pp | 69.6%-34.2pp | 67.7%-32.2pp |
| Annual return | 9.77% | 20.78%-11.0pp | 9461.77%-9452.0pp | 35.66%-25.9pp |
| Employer contribution / active EE | $1,123 | $1,583-29.0% | $4,153-73.0% | $2,757-59.2% |
| Participant deferral / active EE | $2,699 | $2,670+1.1% | $4,166-35.2% | $4,299-37.2% |
| Admin fee / account holder | $25,216 | $4,312+484.9% | $7,686+228.1% | $6,924+264.2% |