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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 | $193,796 | $68,880+181.4% | $120,580+60.7% | $80,959+139.4% |
| Participation rate | 22.4% | 61.7%-39.3pp | 72.0%-49.5pp | 67.7%-45.3pp |
| Annual return | 10.00% | 23.68%-13.7pp | 107.48%-97.5pp | 35.67%-25.7pp |
| Employer contribution / active EE | $726 | $2,066-64.9% | $3,469-79.1% | $2,757-73.7% |
| Participant deferral / active EE | $1,285 | $3,191-59.7% | $4,995-74.3% | $4,300-70.1% |
| Admin fee / account holder | $3,894 | $5,785-32.7% | $9,418-58.7% | $6,925-43.8% |