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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 | $90,409 | $83,843+7.8% | $123,973-27.1% | $65,306+38.4% |
| Participation rate | 45.7% | 56.0%-10.3pp | 76.7%-30.9pp | 57.7%-12.0pp |
| Annual return | 10.52% | 19.87%-9.4pp | 388.13%-377.6pp | 21.94%-11.4pp |
| Employer contribution / active EE | $1,896 | $2,873-34.0% | $4,126-54.0% | $1,967-3.6% |
| Participant deferral / active EE | $3,609 | $2,997+20.4% | $5,247-31.2% | $2,959+22.0% |
| Admin fee / account holder | $2,391 | $4,735-49.5% | $11,799-79.7% | $3,480-31.3% |