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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 | $68,852+181.5% | $120,524+60.8% | $80,925+139.5% |
| Participation rate | 22.4% | 61.6%-39.2pp | 71.9%-49.5pp | 67.7%-45.2pp |
| Annual return | 10.00% | 23.67%-13.7pp | 107.36%-97.4pp | 35.65%-25.7pp |
| Employer contribution / active EE | $726 | $2,063-64.8% | $3,469-79.1% | $2,756-73.7% |
| Participant deferral / active EE | $1,285 | $3,187-59.7% | $4,994-74.3% | $4,299-70.1% |
| Admin fee / account holder | $3,894 | $5,781-32.6% | $9,440-58.7% | $6,940-43.9% |