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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 | $86,701 | $98,776-12.2% | $149,745-42.1% | $79,856+8.6% |
| Participation rate | 53.1% | 75.8%-22.7pp | 82.5%-29.4pp | 69.6%-16.5pp |
| Annual return | 12.31% | 27.38%-15.1pp | 276.72%-264.4pp | 31.71%-19.4pp |
| Employer contribution / active EE | $1,706 | $3,217-47.0% | $4,646-63.3% | $2,471-31.0% |
| Participant deferral / active EE | $4,446 | $5,681-21.7% | $6,843-35.0% | $3,741+18.9% |
| Admin fee / account holder | $822 | $6,053-86.4% | $9,312-91.2% | $5,306-84.5% |