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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 | $57,119+71.1% | $85,187+14.7% | $80,935+20.7% |
| Participation rate | 57.1% | 56.4%+0.7pp | 67.5%-10.4pp | 67.7%-10.5pp |
| Annual return | 7.74% | 21.70%-14.0pp | 66.67%-58.9pp | 35.66%-27.9pp |
| Employer contribution / active EE | $1,416 | $1,802-21.4% | $2,732-48.2% | $2,757-48.6% |
| Participant deferral / active EE | $2,615 | $3,115-16.0% | $4,525-42.2% | $4,299-39.2% |
| Admin fee / account holder | $9,113 | $4,990+82.6% | $6,162+47.9% | $6,924+31.6% |