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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 | $104,678 | $81,276+28.8% | $155,574-32.7% | $80,925+29.4% |
| Participation rate | 50.0% | 66.2%-16.2pp | 78.2%-28.2pp | 67.7%-17.7pp |
| Annual return | 6.01% | 33.36%-27.4pp | 64.87%-58.9pp | 35.65%-29.6pp |
| Employer contribution / active EE | $796 | $3,103-74.4% | $4,676-83.0% | $2,756-71.1% |
| Participant deferral / active EE | $1,690 | $3,453-51.0% | $5,629-70.0% | $4,299-60.7% |
| Admin fee / account holder | $35,659 | $7,993+346.1% | $15,914+124.1% | $6,940+413.8% |