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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 | $122,291 | $102,429+19.4% | $147,096-16.9% | $80,925+51.1% |
| Participation rate | 34.4% | 75.9%-41.5pp | 82.2%-47.8pp | 67.7%-33.3pp |
| Annual return | 9.18% | 135.02%-125.8pp | 419.75%-410.6pp | 35.65%-26.5pp |
| Employer contribution / active EE | $1,129 | $3,716-69.6% | $4,936-77.1% | $2,756-59.1% |
| Participant deferral / active EE | $3,388 | $6,649-49.0% | $8,071-58.0% | $4,299-21.2% |
| Admin fee / account holder | $4,228 | $7,957-46.9% | $13,005-67.5% | $6,940-39.1% |