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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 | $84,962 | $55,889+52.0% | $76,119+11.6% | $80,935+5.0% |
| Participation rate | 34.5% | 62.1%-27.6pp | 69.1%-34.6pp | 67.7%-33.2pp |
| Annual return | 8.99% | 20.58%-11.6pp | 361.25%-352.3pp | 35.66%-26.7pp |
| Employer contribution / active EE | $1,265 | $1,866-32.2% | $2,693-53.0% | $2,757-54.1% |
| Participant deferral / active EE | $3,615 | $3,051+18.5% | $4,259-15.1% | $4,299-15.9% |
| Admin fee / account holder | $3,250 | $5,241-38.0% | $6,421-49.4% | $6,924-53.1% |