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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 | $91,760-23.5% | $156,181-55.0% | $67,986+3.3% |
| Participation rate | 22.3% | 65.0%-42.7pp | 78.8%-56.5pp | 57.2%-34.9pp |
| Annual return | 11.18% | 18.14%-7.0pp | 64.87%-53.7pp | 31.67%-20.5pp |
| Employer contribution / active EE | $1,074 | $2,419-55.6% | $4,294-75.0% | $2,019-46.8% |
| Participant deferral / active EE | $2,150 | $3,960-45.7% | $6,132-64.9% | $3,358-36.0% |
| Admin fee / account holder | $4,707 | $3,949+19.2% | $14,586-67.7% | $3,203+46.9% |