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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 | $97,705 | $57,061+71.2% | $85,063+14.9% | $80,911+20.8% |
| Participation rate | 57.1% | 56.3%+0.8pp | 67.5%-10.4pp | 67.6%-10.5pp |
| Annual return | 7.74% | 21.66%-13.9pp | 66.54%-58.8pp | 35.63%-27.9pp |
| Employer contribution / active EE | $1,416 | $1,799-21.3% | $2,727-48.1% | $2,756-48.6% |
| Participant deferral / active EE | $2,615 | $3,110-15.9% | $4,523-42.2% | $4,297-39.1% |
| Admin fee / account holder | $9,113 | $4,986+82.8% | $6,155+48.1% | $6,935+31.4% |