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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 | $68,852+82.4% | $120,524+4.2% | $80,925+55.2% |
| Participation rate | 42.6% | 61.6%-19.0pp | 71.9%-29.3pp | 67.7%-25.1pp |
| Annual return | 9.49% | 23.67%-14.2pp | 107.36%-97.9pp | 35.65%-26.2pp |
| Employer contribution / active EE | $799 | $2,063-61.3% | $3,469-77.0% | $2,756-71.0% |
| Participant deferral / active EE | $2,288 | $3,187-28.2% | $4,994-54.2% | $4,299-46.8% |
| Admin fee / account holder | $21,337 | $5,781+269.1% | $9,440+126.0% | $6,940+207.4% |