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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 | $108,183 | $86,938+24.4% | $102,423+5.6% | $80,925+33.7% |
| Participation rate | 26.6% | 72.4%-45.8pp | 76.5%-49.9pp | 67.7%-41.1pp |
| Annual return | 9.21% | 18.89%-9.7pp | 29.42%-20.2pp | 35.65%-26.4pp |
| Employer contribution / active EE | $909 | $2,369-61.6% | $3,023-69.9% | $2,756-67.0% |
| Participant deferral / active EE | $1,947 | $4,120-52.8% | $5,054-61.5% | $4,299-54.7% |
| Admin fee / account holder | $36,031 | $8,053+347.4% | $9,455+281.1% | $6,940+419.2% |