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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 | $94,783 | $62,592+51.4% | $85,709+10.6% | $85,847+10.4% |
| Participation rate | 65.4% | 61.1%+4.3pp | 69.9%-4.5pp | 69.3%-3.9pp |
| Annual return | 4.34% | 23.77%-19.4pp | 21.49%-17.1pp | 318.61%-314.3pp |
| Employer contribution / active EE | $1,305 | $1,755-25.7% | $2,619-50.2% | $2,565-49.1% |
| Participant deferral / active EE | $2,119 | $2,802-24.4% | $3,924-46.0% | $3,952-46.4% |
| Admin fee / account holder | $23,869 | $4,643+414.1% | $6,876+247.1% | $6,261+281.3% |