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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 | $141,830 | $86,298+64.3% | $111,308+27.4% | $85,847+65.2% |
| Participation rate | 54.8% | 73.3%-18.5pp | 77.3%-22.5pp | 69.3%-14.5pp |
| Annual return | 10.27% | 19.99%-9.7pp | 54.67%-44.4pp | 318.61%-308.3pp |
| Employer contribution / active EE | $870 | $2,044-57.5% | $2,732-68.2% | $2,565-66.1% |
| Participant deferral / active EE | $2,565 | $3,641-29.5% | $4,487-42.8% | $3,952-35.1% |
| Admin fee / account holder | $2,768 | $8,189-66.2% | $7,965-65.3% | $6,261-55.8% |