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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 | $73,787+51.5% | $98,716+13.2% | $82,448+35.6% |
| Participation rate | 46.2% | 61.4%-15.3pp | 69.3%-23.1pp | 68.1%-21.9pp |
| Annual return | 7.44% | 18.57%-11.1pp | 31.81%-24.4pp | 41.64%-34.2pp |
| Employer contribution / active EE | $516 | $1,511-65.9% | $2,279-77.4% | $2,551-79.8% |
| Participant deferral / active EE | $1,885 | $3,081-38.8% | $4,048-53.4% | $4,139-54.5% |
| Admin fee / account holder | $5,191 | $6,500-20.1% | $8,703-40.3% | $7,234-28.2% |