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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 | $106,281 | $99,875+6.4% | $146,866-27.6% | $86,983+22.2% |
| Participation rate | 42.6% | 75.8%-33.2pp | 82.5%-39.9pp | 69.5%-26.9pp |
| Annual return | 6.49% | 28.10%-21.6pp | 102.85%-96.4pp | 25.83%-19.3pp |
| Employer contribution / active EE | $2,140 | $3,224-33.6% | $4,425-51.6% | $2,584-17.2% |
| Participant deferral / active EE | $3,399 | $6,322-46.2% | $7,759-56.2% | $4,194-18.9% |
| Admin fee / account holder | $8,418 | $7,838+7.4% | $13,620-38.2% | $7,856+7.2% |