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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 | $118,106 | $86,922+35.9% | $102,438+15.3% | $80,874+46.0% |
| Participation rate | 31.0% | 72.4%-41.3pp | 76.5%-45.5pp | 67.6%-36.6pp |
| Annual return | 5.95% | 18.90%-12.9pp | 29.37%-23.4pp | 35.62%-29.7pp |
| Employer contribution / active EE | $1,905 | $2,369-19.6% | $3,024-37.0% | $2,756-30.9% |
| Participant deferral / active EE | $0 | $4,119-100.0% | $5,054-100.0% | $4,297-100.0% |
| Admin fee / account holder | $4,483 | $8,050-44.3% | $9,448-52.5% | $6,935-35.4% |