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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 | $132,003 | $72,486+82.1% | $87,103+51.5% | $72,976+80.9% |
| Participation rate | 16.9% | 72.8%-55.9pp | 76.9%-60.0pp | 69.5%-52.6pp |
| Annual return | 15.89% | 24.46%-8.6pp | 28.19%-12.3pp | 81.02%-65.1pp |
| Employer contribution / active EE | $778 | $1,894-58.9% | $2,521-69.2% | $2,440-68.1% |
| Participant deferral / active EE | $2,068 | $3,270-36.8% | $4,049-48.9% | $3,608-42.7% |
| Admin fee / account holder | $3,883 | $5,055-23.2% | $7,491-48.2% | $5,124-24.2% |