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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 | $78,191 | $65,034+20.2% | $90,970-14.0% | $79,856-2.1% |
| Participation rate | 36.8% | 61.6%-24.8pp | 69.0%-32.2pp | 69.6%-32.8pp |
| Annual return | 9.39% | 30.45%-21.1pp | 134.60%-125.2pp | 31.71%-22.3pp |
| Employer contribution / active EE | $330 | $1,247-73.6% | $2,122-84.5% | $2,471-86.7% |
| Participant deferral / active EE | $1,175 | $2,512-53.2% | $3,373-65.2% | $3,741-68.6% |
| Admin fee / account holder | $4,073 | $4,536-10.2% | $5,961-31.7% | $5,306-23.2% |