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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 | $115,762 | $117,829-1.8% | $102,423+13.0% | $145,877-20.6% |
| Participation rate | 40.0% | 78.6%-38.6pp | 76.5%-36.5pp | 80.3%-40.3pp |
| Annual return | 7.77% | 31.83%-24.1pp | 29.42%-21.7pp | 551.28%-543.5pp |
| Employer contribution / active EE | $1,892 | $3,615-47.7% | $3,023-37.4% | $4,663-59.4% |
| Participant deferral / active EE | $3,742 | $5,732-34.7% | $5,054-26.0% | $6,691-44.1% |
| Admin fee / account holder | $2,353 | $13,335-82.4% | $9,455-75.1% | $13,402-82.4% |