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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 | $120,185 | $57,073+110.6% | $85,126+41.2% | $80,925+48.5% |
| Participation rate | 19.2% | 56.4%-37.2pp | 67.5%-48.3pp | 67.7%-48.4pp |
| Annual return | 3.03% | 21.69%-18.7pp | 66.63%-63.6pp | 35.65%-32.6pp |
| Employer contribution / active EE | $832 | $1,801-53.8% | $2,731-69.5% | $2,756-69.8% |
| Participant deferral / active EE | $2,500 | $3,113-19.7% | $4,523-44.7% | $4,299-41.9% |
| Admin fee / account holder | $577 | $4,988-88.4% | $6,160-90.6% | $6,940-91.7% |