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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 | $201,270 | $73,978+172.1% | $96,515+108.5% | $75,173+167.7% |
| Participation rate | 64.9% | 66.4%-1.6pp | 74.3%-9.5pp | 67.2%-2.3pp |
| Annual return | 13.12% | 26.72%-13.6pp | 35.73%-22.6pp | 160.72%-147.6pp |
| Employer contribution / active EE | $2,056 | $2,931-29.9% | $3,740-45.0% | $2,671-23.0% |
| Participant deferral / active EE | $5,680 | $3,660+55.2% | $4,880+16.4% | $4,126+37.7% |
| Admin fee / account holder | $4,172 | $5,219-20.1% | $6,735-38.1% | $5,651-26.2% |