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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 | $79,142 | $68,573+15.4% | $120,368-34.2% | $80,874-2.1% |
| Participation rate | 46.2% | 61.6%-15.4pp | 71.9%-25.8pp | 67.6%-21.5pp |
| Annual return | 7.06% | 23.61%-16.5pp | 107.26%-100.2pp | 35.62%-28.6pp |
| Employer contribution / active EE | $1,008 | $2,052-50.9% | $3,465-70.9% | $2,756-63.4% |
| Participant deferral / active EE | $2,282 | $3,174-28.1% | $4,991-54.3% | $4,297-46.9% |
| Admin fee / account holder | $105,343 | $5,734+1737.3% | $9,429+1017.2% | $6,935+1419.0% |