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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 | $114,058 | $65,034+75.4% | $90,970+25.4% | $79,856+42.8% |
| Participation rate | 54.4% | 61.6%-7.2pp | 69.0%-14.6pp | 69.6%-15.2pp |
| Annual return | 2.63% | 30.45%-27.8pp | 134.60%-132.0pp | 31.71%-29.1pp |
| Employer contribution / active EE | $672 | $1,247-46.1% | $2,122-68.3% | $2,471-72.8% |
| Participant deferral / active EE | $3,751 | $2,512+49.3% | $3,373+11.2% | $3,741+0.3% |
| Admin fee / account holder | $9,632 | $4,536+112.4% | $5,961+61.6% | $5,306+81.5% |