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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 | $106,856 | $65,395+63.4% | $182,558-41.5% | $72,976+46.4% |
| Participation rate | 53.6% | 65.4%-11.8pp | 78.0%-24.4pp | 69.5%-15.9pp |
| Annual return | 7.71% | 27.68%-20.0pp | 148.59%-140.9pp | 81.02%-73.3pp |
| Employer contribution / active EE | $519 | $1,911-72.9% | $4,076-87.3% | $2,440-78.7% |
| Participant deferral / active EE | $5,004 | $3,563+40.4% | $5,526-9.4% | $3,608+38.7% |
| Admin fee / account holder | $2,853 | $4,245-32.8% | $8,594-66.8% | $5,124-44.3% |