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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 | $227,530 | $81,476+179.3% | $102,383+122.2% | $80,925+181.2% |
| Participation rate | 48.8% | 66.8%-18.1pp | 74.5%-25.7pp | 67.7%-18.9pp |
| Annual return | 9.87% | 25.59%-15.7pp | 24.94%-15.1pp | 35.65%-25.8pp |
| Employer contribution / active EE | $1,298 | $3,105-58.2% | $3,870-66.5% | $2,756-52.9% |
| Participant deferral / active EE | $2,380 | $3,871-38.5% | $5,060-53.0% | $4,299-44.6% |
| Admin fee / account holder | $6,690 | $6,717-0.4% | $8,391-20.3% | $6,940-3.6% |