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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 | $149,134 | $86,949+71.5% | $102,460+45.6% | $80,959+84.2% |
| Participation rate | 42.4% | 72.4%-30.0pp | 76.5%-34.1pp | 67.7%-25.2pp |
| Annual return | 8.89% | 18.89%-10.0pp | 29.47%-20.6pp | 35.67%-26.8pp |
| Employer contribution / active EE | $733 | $2,370-69.1% | $3,025-75.8% | $2,757-73.4% |
| Participant deferral / active EE | $2,855 | $4,121-30.7% | $5,056-43.5% | $4,300-33.6% |
| Admin fee / account holder | $31,630 | $8,048+293.0% | $9,460+234.4% | $6,925+356.7% |