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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 | $194,043 | $27,826+597.3% | $65,566+196.0% | $71,511+171.3% |
| Participation rate | 45.5% | 57.6%-12.1pp | 64.9%-19.4pp | 67.9%-22.4pp |
| Annual return | 14.91% | 41.56%-26.7pp | 47.40%-32.5pp | 28.86%-13.9pp |
| Employer contribution / active EE | $734 | $1,405-47.8% | $1,692-56.6% | $2,589-71.6% |
| Participant deferral / active EE | $3,064 | $1,861+64.6% | $2,832+8.2% | $4,291-28.6% |
| Admin fee / account holder | $3,257 | $3,850-15.4% | $4,114-20.8% | $1,588+105.0% |