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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 | $70,215 | $91,120-22.9% | $161,149-56.4% | $64,097+9.5% |
| Participation rate | 22.3% | 62.2%-39.9pp | 78.8%-56.5pp | 55.2%-32.9pp |
| Annual return | 11.18% | 17.95%-6.8pp | 21.16%-10.0pp | 34.64%-23.5pp |
| Employer contribution / active EE | $1,074 | $2,284-53.0% | $4,360-75.4% | $1,891-43.2% |
| Participant deferral / active EE | $2,150 | $3,708-42.0% | $6,153-65.1% | $3,080-30.2% |
| Admin fee / account holder | $4,707 | $4,535+3.8% | $15,194-69.0% | $3,454+36.2% |