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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 | $86,938+11.0% | $102,423-5.8% | $80,925+19.2% |
| Participation rate | 48.3% | 72.4%-24.1pp | 76.5%-28.2pp | 67.7%-19.4pp |
| Annual return | 7.84% | 18.89%-11.0pp | 29.42%-21.6pp | 35.65%-27.8pp |
| Employer contribution / active EE | $864 | $2,369-63.5% | $3,023-71.4% | $2,756-68.7% |
| Participant deferral / active EE | $2,039 | $4,120-50.5% | $5,054-59.7% | $4,299-52.6% |
| Admin fee / account holder | $6,107 | $8,053-24.2% | $9,455-35.4% | $6,940-12.0% |