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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 | $78,397 | $80,763-2.9% | $102,412-23.4% | $74,459+5.3% |
| Participation rate | 38.2% | 65.7%-27.5pp | 74.5%-36.3pp | 67.2%-29.0pp |
| Annual return | 5.18% | 27.57%-22.4pp | 24.94%-19.8pp | 1369.70%-1364.5pp |
| Employer contribution / active EE | $4,684 | $3,160+48.2% | $3,870+21.0% | $2,626+78.4% |
| Participant deferral / active EE | $1,693 | $3,862-56.2% | $5,060-66.6% | $4,350-61.1% |
| Admin fee / account holder | $4,488 | $2,371+89.2% | $8,388-46.5% | $1,945+130.7% |