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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 | $112,827 | $72,486+55.7% | $87,103+29.5% | $72,976+54.6% |
| Participation rate | 41.2% | 72.8%-31.6pp | 76.9%-35.7pp | 69.5%-28.3pp |
| Annual return | 14.33% | 24.46%-10.1pp | 28.19%-13.9pp | 81.02%-66.7pp |
| Employer contribution / active EE | $541 | $1,894-71.4% | $2,521-78.6% | $2,440-77.8% |
| Participant deferral / active EE | $1,920 | $3,270-41.3% | $4,049-52.6% | $3,608-46.8% |
| Admin fee / account holder | $6,556 | $5,055+29.7% | $7,491-12.5% | $5,124+27.9% |