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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 | $75,541+18.7% | $152,093-41.0% | $82,637+8.5% |
| Participation rate | 51.4% | 66.5%-15.1pp | 77.8%-26.3pp | 68.1%-16.6pp |
| Annual return | 11.69% | 32.56%-20.9pp | 66.36%-54.7pp | 53.51%-41.8pp |
| Employer contribution / active EE | $1,422 | $2,622-45.8% | $4,175-65.9% | $2,552-44.3% |
| Participant deferral / active EE | $4,355 | $3,206+35.9% | $5,451-20.1% | $4,126+5.6% |
| Admin fee / account holder | $2,444 | $6,405-61.8% | $14,497-83.1% | $7,339-66.7% |