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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 | $89,982 | $81,504+10.4% | $102,437-12.2% | $80,959+11.1% |
| Participation rate | 34.5% | 66.9%-32.4pp | 74.5%-40.0pp | 67.7%-33.2pp |
| Annual return | 9.01% | 25.60%-16.6pp | 24.95%-15.9pp | 35.67%-26.7pp |
| Employer contribution / active EE | $866 | $3,104-72.1% | $3,871-77.6% | $2,757-68.6% |
| Participant deferral / active EE | $1,983 | $3,871-48.8% | $5,060-60.8% | $4,300-53.9% |
| Admin fee / account holder | $2,610 | $6,719-61.2% | $8,388-68.9% | $6,925-62.3% |