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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 | $111,795 | $77,574+44.1% | $108,753+2.8% | $86,983+28.5% |
| Participation rate | 46.2% | 62.3%-16.1pp | 71.1%-24.9pp | 69.5%-23.4pp |
| Annual return | 7.44% | 18.42%-11.0pp | 37.47%-30.0pp | 25.83%-18.4pp |
| Employer contribution / active EE | $516 | $1,611-68.0% | $2,427-78.7% | $2,584-80.0% |
| Participant deferral / active EE | $1,885 | $3,128-39.7% | $4,115-54.2% | $4,194-55.0% |
| Admin fee / account holder | $5,191 | $6,529-20.5% | $10,320-49.7% | $7,856-33.9% |