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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 | $124,105 | $99,032+25.3% | $80,022+55.1% | $135,380-8.3% |
| Participation rate | 31.3% | 78.4%-47.1pp | 75.8%-44.6pp | 82.6%-51.4pp |
| Annual return | -9.54% | 15.39%-24.9pp | 11.22%-20.8pp | 519.81%-529.3pp |
| Employer contribution / active EE | $972 | $3,043-68.0% | $2,468-60.6% | $4,779-79.7% |
| Participant deferral / active EE | $3,294 | $4,282-23.1% | $3,686-10.6% | $5,609-41.3% |
| Admin fee / account holder | $2,067 | $10,436-80.2% | $6,521-68.3% | $10,828-80.9% |