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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 | $87,318 | $81,331+7.4% | $155,534-43.9% | $80,935+7.9% |
| Participation rate | 44.2% | 66.3%-22.1pp | 78.2%-34.1pp | 67.7%-23.5pp |
| Annual return | 9.91% | 33.37%-23.5pp | 64.92%-55.0pp | 35.66%-25.8pp |
| Employer contribution / active EE | $1,435 | $3,105-53.8% | $4,675-69.3% | $2,757-47.9% |
| Participant deferral / active EE | $2,933 | $3,454-15.1% | $5,630-47.9% | $4,299-31.8% |
| Admin fee / account holder | $9,931 | $7,999+24.2% | $15,900-37.5% | $6,924+43.4% |