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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 | $134,670 | $89,259+50.9% | $107,187+25.6% | $82,637+63.0% |
| Participation rate | 27.6% | 67.9%-40.3pp | 75.0%-47.4pp | 68.1%-40.5pp |
| Annual return | 11.91% | 21.02%-9.1pp | 204.55%-192.6pp | 53.51%-41.6pp |
| Employer contribution / active EE | $973 | $3,080-68.4% | $3,782-74.3% | $2,552-61.9% |
| Participant deferral / active EE | $1,689 | $4,037-58.2% | $5,096-66.9% | $4,126-59.1% |
| Admin fee / account holder | $55,510 | $7,381+652.0% | $9,162+505.9% | $7,339+656.4% |