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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 | $90,703 | $46,877+93.5% | $122,354-25.9% | $70,126+29.3% |
| Participation rate | 15.9% | 58.2%-42.4pp | 71.6%-55.8pp | 69.5%-53.7pp |
| Annual return | 9.51% | 24.22%-14.7pp | 30.28%-20.8pp | 73.15%-63.6pp |
| Employer contribution / active EE | $431 | $1,288-66.5% | $4,051-89.4% | $2,343-81.6% |
| Participant deferral / active EE | $1,135 | $2,167-47.6% | $3,287-65.5% | $3,332-65.9% |
| Admin fee / account holder | $5,196 | $3,324+56.3% | $5,479-5.2% | $4,645+11.8% |