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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 | $99,893 | $90,486+10.4% | $78,676+27.0% | $273,972-63.5% |
| Participation rate | 40.0% | 76.5%-36.5pp | 73.6%-33.6pp | 83.0%-43.0pp |
| Annual return | 2.08% | 75.62%-73.5pp | 62.19%-60.1pp | 41.46%-39.4pp |
| Employer contribution / active EE | $125 | $3,175-96.1% | $2,850-95.6% | $4,869-97.4% |
| Participant deferral / active EE | $6,725 | $3,901+72.4% | $3,517+91.2% | $5,287+27.2% |
| Admin fee / account holder | $1,766 | $5,263-66.4% | $4,510-60.8% | $10,133-82.6% |