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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 | $94,323 | $76,407+23.4% | $150,298-37.2% | $82,448+14.4% |
| Participation rate | 42.9% | 66.4%-23.5pp | 77.8%-34.9pp | 68.1%-25.2pp |
| Annual return | 11.54% | 39.99%-28.4pp | 62.79%-51.2pp | 41.64%-30.1pp |
| Employer contribution / active EE | $1,927 | $2,614-26.3% | $4,154-53.6% | $2,551-24.4% |
| Participant deferral / active EE | $2,053 | $3,214-36.1% | $5,453-62.4% | $4,139-50.4% |
| Admin fee / account holder | $626 | $6,352-90.1% | $14,116-95.6% | $7,234-91.3% |