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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 | $110,762 | $56,287+96.8% | $80,977+36.8% | $62,881+76.1% |
| Participation rate | 12.1% | 68.9%-56.8pp | 75.8%-63.7pp | 69.3%-57.2pp |
| Annual return | 5.29% | 22.13%-16.8pp | 17.11%-11.8pp | 20.14%-14.9pp |
| Employer contribution / active EE | $327 | $1,943-83.2% | $3,715-91.2% | $2,281-85.7% |
| Participant deferral / active EE | $1,973 | $4,196-53.0% | $5,696-65.4% | $3,203-38.4% |
| Admin fee / account holder | $441 | $3,742-88.2% | $5,517-92.0% | $4,296-89.7% |