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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 | $97,569 | $76,551+27.5% | $123,894-21.2% | $62,881+55.2% |
| Participation rate | 44.0% | 73.0%-29.0pp | 81.4%-37.4pp | 69.3%-25.3pp |
| Annual return | 5.84% | 18.68%-12.8pp | 47.52%-41.7pp | 20.14%-14.3pp |
| Employer contribution / active EE | $1,138 | $2,882-60.5% | $4,617-75.4% | $2,281-50.1% |
| Participant deferral / active EE | $2,410 | $4,840-50.2% | $5,984-59.7% | $3,203-24.7% |
| Admin fee / account holder | $2,967 | $4,826-38.5% | $8,357-64.5% | $4,296-30.9% |