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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 | $196,874 | $110,337+78.4% | $102,383+92.3% | $145,877+35.0% |
| Participation rate | 38.5% | 77.9%-39.5pp | 74.5%-36.0pp | 80.3%-41.8pp |
| Annual return | 5.19% | 24.83%-19.6pp | 24.94%-19.7pp | 551.28%-546.1pp |
| Employer contribution / active EE | $953 | $4,216-77.4% | $3,870-75.4% | $4,663-79.6% |
| Participant deferral / active EE | $2,816 | $5,621-49.9% | $5,060-44.3% | $6,691-57.9% |
| Admin fee / account holder | $6,574 | $9,750-32.6% | $8,391-21.7% | $13,402-50.9% |