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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 | $106,258 | $78,690+35.0% | $161,489-34.2% | $87,485+21.5% |
| Participation rate | 48.8% | 67.5%-18.7pp | 78.7%-29.9pp | 68.9%-20.2pp |
| Annual return | 8.70% | 32.74%-24.0pp | 89.72%-81.0pp | 26.06%-17.4pp |
| Employer contribution / active EE | $1,480 | $2,588-42.8% | $4,268-65.3% | $2,596-43.0% |
| Participant deferral / active EE | $2,287 | $3,311-30.9% | $5,630-59.4% | $4,274-46.5% |
| Admin fee / account holder | $59,451 | $6,724+784.2% | $16,006+271.4% | $7,775+664.7% |