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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 | $117,417 | $71,230+64.8% | $93,727+25.3% | $80,959+45.0% |
| Participation rate | 11.9% | 60.4%-48.5pp | 68.7%-56.8pp | 67.7%-55.8pp |
| Annual return | 5.23% | 11.26%-6.0pp | 133.83%-128.6pp | 35.67%-30.4pp |
| Employer contribution / active EE | $374 | $1,565-76.1% | $2,421-84.6% | $2,757-86.4% |
| Participant deferral / active EE | $1,853 | $4,037-54.1% | $4,417-58.1% | $4,300-56.9% |
| Admin fee / account holder | $344 | $6,961-95.1% | $8,292-95.9% | $6,925-95.0% |