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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 | $68,880+82.4% | $120,580+4.2% | $80,959+55.1% |
| Participation rate | 42.6% | 61.7%-19.1pp | 72.0%-29.4pp | 67.7%-25.1pp |
| Annual return | 9.49% | 23.68%-14.2pp | 107.48%-98.0pp | 35.67%-26.2pp |
| Employer contribution / active EE | $799 | $2,066-61.3% | $3,469-77.0% | $2,757-71.0% |
| Participant deferral / active EE | $2,288 | $3,191-28.3% | $4,995-54.2% | $4,300-46.8% |
| Admin fee / account holder | $21,337 | $5,785+268.8% | $9,418+126.5% | $6,925+208.1% |