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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 | $121,500 | $86,298+40.8% | $111,308+9.2% | $85,847+41.5% |
| Participation rate | 39.3% | 73.3%-34.0pp | 77.3%-38.0pp | 69.3%-30.0pp |
| Annual return | 9.80% | 19.99%-10.2pp | 54.67%-44.9pp | 318.61%-308.8pp |
| Employer contribution / active EE | $668 | $2,044-67.3% | $2,732-75.5% | $2,565-74.0% |
| Participant deferral / active EE | $2,318 | $3,641-36.3% | $4,487-48.3% | $3,952-41.3% |
| Admin fee / account holder | $28,180 | $8,189+244.1% | $7,965+253.8% | $6,261+350.1% |