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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 | $189,836 | $68,880+175.6% | $120,580+57.4% | $80,959+134.5% |
| Participation rate | 35.1% | 61.7%-26.6pp | 72.0%-36.8pp | 67.7%-32.5pp |
| Annual return | 8.39% | 23.68%-15.3pp | 107.48%-99.1pp | 35.67%-27.3pp |
| Employer contribution / active EE | $1,758 | $2,066-14.9% | $3,469-49.3% | $2,757-36.2% |
| Participant deferral / active EE | $5,362 | $3,191+68.1% | $4,995+7.3% | $4,300+24.7% |
| Admin fee / account holder | $5,243 | $5,785-9.4% | $9,418-44.3% | $6,925-24.3% |