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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 | $72,198 | $66,319+8.9% | $93,621-22.9% | $65,185+10.8% |
| Participation rate | 45.4% | 74.0%-28.6pp | 75.8%-30.5pp | 70.2%-24.8pp |
| Annual return | 17.51% | 42.59%-25.1pp | 32.76%-15.3pp | 29.38%-11.9pp |
| Employer contribution / active EE | $1,225 | $2,013-39.2% | $2,719-55.0% | $2,177-43.7% |
| Participant deferral / active EE | $1,955 | $3,343-41.5% | $4,070-52.0% | $3,514-44.4% |
| Admin fee / account holder | $3,496 | $6,900-49.3% | $7,890-55.7% | $847+312.7% |