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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 | $86,671 | $102,422-15.4% | $147,117-41.1% | $80,959+7.1% |
| Participation rate | 59.4% | 75.9%-16.5pp | 82.2%-22.8pp | 67.7%-8.3pp |
| Annual return | 8.63% | 135.16%-126.5pp | 420.54%-411.9pp | 35.67%-27.0pp |
| Employer contribution / active EE | $1,641 | $3,717-55.8% | $4,932-66.7% | $2,757-40.5% |
| Participant deferral / active EE | $3,227 | $6,652-51.5% | $8,065-60.0% | $4,300-25.0% |
| Admin fee / account holder | $11,498 | $7,953+44.6% | $12,993-11.5% | $6,925+66.0% |