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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 | $120,673 | $58,828+105.1% | $78,002+54.7% | $62,881+91.9% |
| Participation rate | 39.3% | 71.1%-31.8pp | 75.5%-36.2pp | 69.3%-30.0pp |
| Annual return | 3.61% | 17.16%-13.6pp | 425.99%-422.4pp | 20.14%-16.5pp |
| Employer contribution / active EE | $1,278 | $1,672-23.5% | $2,470-48.3% | $2,281-44.0% |
| Participant deferral / active EE | $2,330 | $2,686-13.2% | $3,497-33.4% | $3,203-27.2% |
| Admin fee / account holder | $1,708 | $4,393-61.1% | $5,481-68.8% | $4,296-60.2% |