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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 | $108,505 | $67,602+60.5% | $82,312+31.8% | $70,126+54.7% |
| Participation rate | 14.8% | 72.8%-58.0pp | 76.9%-62.1pp | 69.5%-54.7pp |
| Annual return | 10.62% | 21.57%-10.9pp | 25.88%-15.3pp | 73.15%-62.5pp |
| Employer contribution / active EE | $672 | $1,755-61.7% | $2,428-72.3% | $2,343-71.3% |
| Participant deferral / active EE | $1,754 | $2,987-41.3% | $3,706-52.7% | $3,332-47.4% |
| Admin fee / account holder | $11,828 | $4,512+162.2% | $5,608+110.9% | $4,645+154.6% |