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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 | $89,681 | $78,690+14.0% | $161,489-44.5% | $87,485+2.5% |
| Participation rate | 51.4% | 67.5%-16.0pp | 78.7%-27.3pp | 68.9%-17.5pp |
| Annual return | 11.69% | 32.74%-21.0pp | 89.72%-78.0pp | 26.06%-14.4pp |
| Employer contribution / active EE | $1,422 | $2,588-45.1% | $4,268-66.7% | $2,596-45.2% |
| Participant deferral / active EE | $4,355 | $3,311+31.6% | $5,630-22.6% | $4,274+1.9% |
| Admin fee / account holder | $2,444 | $6,724-63.6% | $16,006-84.7% | $7,775-68.6% |