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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 | $129,872 | $81,358+59.6% | $155,556-16.5% | $80,959+60.4% |
| Participation rate | 44.7% | 66.3%-21.6pp | 78.2%-33.5pp | 67.7%-23.0pp |
| Annual return | 9.32% | 33.39%-24.1pp | 64.84%-55.5pp | 35.67%-26.3pp |
| Employer contribution / active EE | $1,291 | $3,106-58.4% | $4,675-72.4% | $2,757-53.2% |
| Participant deferral / active EE | $1,847 | $3,455-46.6% | $5,631-67.2% | $4,300-57.1% |
| Admin fee / account holder | $2,605 | $7,994-67.4% | $15,885-83.6% | $6,925-62.4% |