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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 | $82,106 | $63,773+28.7% | $81,286+1.0% | $80,925+1.5% |
| Participation rate | 42.4% | 63.9%-21.5pp | 69.5%-27.1pp | 67.7%-25.2pp |
| Annual return | 7.40% | 16.37%-9.0pp | 24.80%-17.4pp | 35.65%-28.2pp |
| Employer contribution / active EE | $924 | $1,979-53.3% | $2,463-62.5% | $2,756-66.5% |
| Participant deferral / active EE | $3,302 | $3,093+6.8% | $3,883-15.0% | $4,299-23.2% |
| Admin fee / account holder | $18,143 | $5,682+219.3% | $5,764+214.8% | $6,940+161.4% |