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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 | $134,913 | $112,729+19.7% | $98,716+36.7% | $137,256-1.7% |
| Participation rate | 40.0% | 74.2%-34.2pp | 69.3%-29.3pp | 80.0%-40.0pp |
| Annual return | 9.60% | 38.48%-28.9pp | 31.81%-22.2pp | 220.34%-210.7pp |
| Employer contribution / active EE | $958 | $2,725-64.9% | $2,279-58.0% | $4,156-77.0% |
| Participant deferral / active EE | $1,759 | $4,640-62.1% | $4,048-56.6% | $6,407-72.5% |
| Admin fee / account holder | $1,242 | $10,129-87.7% | $8,703-85.7% | $12,270-89.9% |