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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 | $80,332+12.5% | $107,187-15.7% | $64,097+41.0% |
| Participation rate | 45.7% | 54.4%-8.7pp | 75.0%-29.3pp | 55.2%-9.5pp |
| Annual return | 10.52% | 24.26%-13.7pp | 204.55%-194.0pp | 34.64%-24.1pp |
| Employer contribution / active EE | $1,896 | $2,501-24.2% | $3,782-49.9% | $1,891+0.2% |
| Participant deferral / active EE | $3,609 | $3,109+16.1% | $5,096-29.2% | $3,080+17.2% |
| Admin fee / account holder | $2,391 | $4,314-44.6% | $9,162-73.9% | $3,454-30.8% |