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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 | $72,130 | $56,116+28.5% | $135,768-46.9% | $86,983-17.1% |
| Participation rate | 35.4% | 60.1%-24.7pp | 71.1%-35.7pp | 69.5%-34.1pp |
| Annual return | 6.55% | 125.33%-118.8pp | 526.10%-519.5pp | 25.83%-19.3pp |
| Employer contribution / active EE | $774 | $1,528-49.3% | $3,394-77.2% | $2,584-70.0% |
| Participant deferral / active EE | $1,585 | $2,690-41.1% | $3,977-60.1% | $4,194-62.2% |
| Admin fee / account holder | $4,771 | $4,314+10.6% | $7,048-32.3% | $7,856-39.3% |