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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 | $95,765 | $106,749-10.3% | $145,433-34.2% | $82,448+16.2% |
| Participation rate | 56.5% | 75.6%-19.1pp | 82.1%-25.6pp | 68.1%-11.5pp |
| Annual return | 13.01% | 27.59%-14.6pp | 66.58%-53.6pp | 41.64%-28.6pp |
| Employer contribution / active EE | $1,348 | $3,444-60.9% | $4,554-70.4% | $2,551-47.2% |
| Participant deferral / active EE | $2,510 | $6,519-61.5% | $7,897-68.2% | $4,139-39.4% |
| Admin fee / account holder | $17,648 | $8,390+110.4% | $13,129+34.4% | $7,234+144.0% |