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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 | $160,279 | $87,060+84.1% | $105,591+51.8% | $80,911+98.1% |
| Participation rate | 23.5% | 70.4%-46.9pp | 75.3%-51.8pp | 67.6%-44.1pp |
| Annual return | 9.80% | 17.05%-7.3pp | 116.43%-106.6pp | 35.63%-25.8pp |
| Employer contribution / active EE | $1,031 | $2,396-57.0% | $3,166-67.5% | $2,756-62.6% |
| Participant deferral / active EE | $2,337 | $3,986-41.4% | $5,008-53.3% | $4,297-45.6% |
| Admin fee / account holder | $1,975 | $8,442-76.6% | $11,024-82.1% | $6,935-71.5% |