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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 | $100,686 | $45,312+122.2% | $86,233+16.8% | $67,986+48.1% |
| Participation rate | 62.8% | 42.4%+20.4pp | 69.0%-6.2pp | 57.2%+5.6pp |
| Annual return | 14.03% | 24.79%-10.8pp | 61.39%-47.4pp | 31.67%-17.6pp |
| Employer contribution / active EE | $428 | $1,160-63.1% | $2,504-82.9% | $2,019-78.8% |
| Participant deferral / active EE | $3,331 | $2,185+52.5% | $4,559-26.9% | $3,358-0.8% |
| Admin fee / account holder | $14,149 | $3,295+329.4% | $8,342+69.6% | $3,203+341.7% |