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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 | $96,481 | $86,922+11.0% | $102,438-5.8% | $80,874+19.3% |
| Participation rate | 48.3% | 72.4%-24.1pp | 76.5%-28.2pp | 67.6%-19.4pp |
| Annual return | 7.84% | 18.90%-11.1pp | 29.37%-21.5pp | 35.62%-27.8pp |
| Employer contribution / active EE | $864 | $2,369-63.5% | $3,024-71.4% | $2,756-68.6% |
| Participant deferral / active EE | $2,039 | $4,119-50.5% | $5,054-59.7% | $4,297-52.5% |
| Admin fee / account holder | $6,107 | $8,050-24.1% | $9,448-35.4% | $6,935-11.9% |