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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 | $98,805 | $48,327+104.5% | $67,575+46.2% | $80,935+22.1% |
| Participation rate | 59.5% | 66.4%-7.0pp | 72.9%-13.5pp | 67.7%-8.2pp |
| Annual return | 10.38% | 18.31%-7.9pp | 3528.98%-3518.6pp | 35.66%-25.3pp |
| Employer contribution / active EE | $1,698 | $2,022-16.0% | $2,736-37.9% | $2,757-38.4% |
| Participant deferral / active EE | $4,765 | $2,927+62.8% | $4,003+19.0% | $4,299+10.8% |
| Admin fee / account holder | $36,634 | $3,692+892.2% | $3,993+817.5% | $6,924+429.1% |