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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 | $123,595 | $81,276+52.1% | $155,574-20.6% | $80,925+52.7% |
| Participation rate | 54.5% | 66.2%-11.7pp | 78.2%-23.7pp | 67.7%-13.1pp |
| Annual return | 8.17% | 33.36%-25.2pp | 64.87%-56.7pp | 35.65%-27.5pp |
| Employer contribution / active EE | $637 | $3,103-79.5% | $4,676-86.4% | $2,756-76.9% |
| Participant deferral / active EE | $2,066 | $3,453-40.2% | $5,629-63.3% | $4,299-51.9% |
| Admin fee / account holder | $11,816 | $7,993+47.8% | $15,914-25.8% | $6,940+70.3% |