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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 | $121,799 | $65,367+86.3% | $92,915+31.1% | $72,976+66.9% |
| Participation rate | 64.4% | 68.3%-3.9pp | 76.0%-11.6pp | 69.5%-5.1pp |
| Annual return | 3.00% | 42.11%-39.1pp | 109.45%-106.5pp | 81.02%-78.0pp |
| Employer contribution / active EE | $1,781 | $2,594-31.3% | $3,653-51.2% | $2,440-27.0% |
| Participant deferral / active EE | $3,895 | $3,128+24.5% | $4,238-8.1% | $3,608+8.0% |
| Admin fee / account holder | $4,083 | $4,251-4.0% | $5,796-29.5% | $5,124-20.3% |