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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 | $61,810 | $54,558+13.3% | $76,002-18.7% | $74,546-17.1% |
| Participation rate | 35.8% | 60.3%-24.5pp | 69.1%-33.3pp | 67.2%-31.4pp |
| Annual return | 7.64% | 31.83%-24.2pp | 360.07%-352.4pp | 1366.03%-1358.4pp |
| Employer contribution / active EE | $638 | $1,778-64.1% | $2,688-76.3% | $2,624-75.7% |
| Participant deferral / active EE | $1,360 | $3,065-55.6% | $4,257-68.0% | $4,347-68.7% |
| Admin fee / account holder | $2,519 | $2,232+12.9% | $6,414-60.7% | $1,944+29.6% |