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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 | $125,604 | $68,586+83.1% | $120,380+4.3% | $80,911+55.2% |
| Participation rate | 42.6% | 61.6%-19.0pp | 71.9%-29.3pp | 67.6%-25.1pp |
| Annual return | 9.49% | 23.62%-14.1pp | 107.28%-97.8pp | 35.63%-26.1pp |
| Employer contribution / active EE | $799 | $2,053-61.1% | $3,465-76.9% | $2,756-71.0% |
| Participant deferral / active EE | $2,288 | $3,174-27.9% | $4,992-54.2% | $4,297-46.8% |
| Admin fee / account holder | $21,337 | $5,733+272.2% | $9,421+126.5% | $6,935+207.7% |