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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 | $93,095 | $76,407+21.8% | $150,298-38.1% | $82,448+12.9% |
| Participation rate | 13.9% | 66.4%-52.5pp | 77.8%-63.9pp | 68.1%-54.2pp |
| Annual return | 12.74% | 39.99%-27.2pp | 62.79%-50.0pp | 41.64%-28.9pp |
| Employer contribution / active EE | $587 | $2,614-77.5% | $4,154-85.9% | $2,551-77.0% |
| Participant deferral / active EE | $1,221 | $3,214-62.0% | $5,453-77.6% | $4,139-70.5% |
| Admin fee / account holder | $35,952 | $6,352+466.0% | $14,116+154.7% | $7,234+397.0% |