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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 | $186,551 | $107,666+73.3% | $102,184+82.6% | $154,746+20.6% |
| Participation rate | 45.5% | 83.7%-38.3pp | 82.6%-37.1pp | 80.7%-35.2pp |
| Annual return | 7.95% | 29.33%-21.4pp | 31.58%-23.6pp | 172.34%-164.4pp |
| Employer contribution / active EE | $997 | $3,846-74.1% | $3,594-72.3% | $4,379-77.2% |
| Participant deferral / active EE | $7,443 | $8,719-14.6% | $8,309-10.4% | $6,730+10.6% |
| Admin fee / account holder | $1,454 | $12,943-88.8% | $11,609-87.5% | $14,365-89.9% |