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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 | $102,692 | $52,580+95.3% | $71,671+43.3% | $70,126+46.4% |
| Participation rate | 45.6% | 60.9%-15.3pp | 68.7%-23.1pp | 69.5%-23.9pp |
| Annual return | 10.64% | 20.25%-9.6pp | 20.65%-10.0pp | 73.15%-62.5pp |
| Employer contribution / active EE | $941 | $1,616-41.8% | $2,460-61.8% | $2,343-59.8% |
| Participant deferral / active EE | $2,355 | $2,386-1.3% | $3,438-31.5% | $3,332-29.3% |
| Admin fee / account holder | $4,311 | $3,653+18.0% | $5,558-22.4% | $4,645-7.2% |