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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 | $103,743 | $83,045+24.9% | $130,045-20.2% | $71,511+45.1% |
| Participation rate | 42.0% | 74.1%-32.2pp | 78.5%-36.5pp | 67.9%-26.0pp |
| Annual return | 14.12% | 20.61%-6.5pp | -137.30%+151.4pp | 28.86%-14.7pp |
| Employer contribution / active EE | $1,248 | $2,623-52.4% | $4,321-71.1% | $2,589-51.8% |
| Participant deferral / active EE | $2,322 | $4,436-47.7% | $5,820-60.1% | $4,291-45.9% |
| Admin fee / account holder | $8,091 | $1,727+368.5% | $10,600-23.7% | $1,588+409.3% |