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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 | $189,346 | $52,380+261.5% | $98,775+91.7% | $85,847+120.6% |
| Participation rate | 49.5% | 58.0%-8.5pp | 65.7%-16.3pp | 69.3%-19.9pp |
| Annual return | 11.08% | 25.82%-14.7pp | 49.92%-38.8pp | 318.61%-307.5pp |
| Employer contribution / active EE | $706 | $1,337-47.2% | $2,067-65.9% | $2,565-72.5% |
| Participant deferral / active EE | $2,600 | $2,101+23.8% | $3,035-14.3% | $3,952-34.2% |
| Admin fee / account holder | $4,099 | $3,865+6.1% | $4,076+0.6% | $6,261-34.5% |