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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 | $86,064 | $63,346+35.9% | $92,240-6.7% | $70,126+22.7% |
| Participation rate | 38.2% | 68.7%-30.4pp | 76.5%-38.2pp | 69.5%-31.3pp |
| Annual return | 12.14% | 530.19%-518.1pp | 176.29%-164.2pp | 73.15%-61.0pp |
| Employer contribution / active EE | $1,351 | $2,471-45.3% | $3,680-63.3% | $2,343-42.3% |
| Participant deferral / active EE | $2,406 | $2,854-15.7% | $3,897-38.3% | $3,332-27.8% |
| Admin fee / account holder | $2,019 | $3,841-47.4% | $5,194-61.1% | $4,645-56.5% |