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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 | $121,376 | $78,423+54.8% | $95,964+26.5% | $79,856+52.0% |
| Participation rate | 63.0% | 73.5%-10.5pp | 77.1%-14.1pp | 69.6%-6.7pp |
| Annual return | 6.02% | 19.37%-13.4pp | 91.64%-85.6pp | 31.71%-25.7pp |
| Employer contribution / active EE | $959 | $1,945-50.7% | $2,541-62.3% | $2,471-61.2% |
| Participant deferral / active EE | $2,966 | $3,440-13.8% | $4,167-28.8% | $3,741-20.7% |
| Admin fee / account holder | $28,901 | $5,622+414.1% | $6,797+325.2% | $5,306+444.6% |