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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 | $78,740 | $62,672+25.6% | $185,117-57.5% | $70,126+12.3% |
| Participation rate | 44.8% | 63.8%-19.0pp | 77.3%-32.4pp | 69.5%-24.7pp |
| Annual return | 12.23% | 40.79%-28.6pp | 40.50%-28.3pp | 73.15%-60.9pp |
| Employer contribution / active EE | $1,464 | $1,753-16.5% | $4,182-65.0% | $2,343-37.5% |
| Participant deferral / active EE | $2,573 | $3,272-21.4% | $5,045-49.0% | $3,332-22.8% |
| Admin fee / account holder | $1,099 | $3,932-72.0% | $8,159-86.5% | $4,645-76.3% |