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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 | $81,809 | $57,752+41.7% | $112,273-27.1% | $71,511+14.4% |
| Participation rate | 25.2% | 58.8%-33.7pp | 72.4%-47.3pp | 67.9%-42.8pp |
| Annual return | 8.13% | 18.25%-10.1pp | 30.23%-22.1pp | 28.86%-20.7pp |
| Employer contribution / active EE | $606 | $1,912-68.3% | $3,431-82.3% | $2,589-76.6% |
| Participant deferral / active EE | $1,069 | $2,860-62.6% | $4,800-77.7% | $4,291-75.1% |
| Admin fee / account holder | $2,129 | $1,586+34.2% | $7,752-72.5% | $1,588+34.0% |